Is it reporting incorrectly?  What would be the reason for a dispute?

---

Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

I was saying when June hits and its still on my report, could I dispute it to have it removed then?

---

Starting Score:TransUnion: 698 (12 FEB 2010), Equifax: 674 (12 FEB 2010)
Current Score:TransUnion: 703 (11 NOV 2012), Equifax: 637 (11 NOV 2012), Experian: 628 (11 NOV 2012)
Goal Score:All scores 700+ by Dec 2013!!

Take the FICO Fitness Challenge

The CRA is responsible for monitoring the reported DOFD on the OC account, and excluding the charge-off from your credit report no later than 7 years plus 180 days from the reported DOFD.  You need nothing except monitor your report to ensure it happens.  A dispute would not be appropriate, as the issue is not one of inaccuracy of reported information. To attempt earlier exclusion, you can try sending the OC a GW request. 

If the charge-off remains in your CR after its required exclusion date, send a complaint to the CRA for their violation of FCRA 605(a)(4).

How much score increase you are likely to see depends upon whether you have any other remaining major derogs.

This is my only derog. I just figured since it was so old a score increase would be minimal.

---

Starting Score:TransUnion: 698 (12 FEB 2010), Equifax: 674 (12 FEB 2010)
Current Score:TransUnion: 703 (11 NOV 2012), Equifax: 637 (11 NOV 2012), Experian: 628 (11 NOV 2012)
Goal Score:All scores 700+ by Dec 2013!!

Take the FICO Fitness Challenge