7 years or 6.5 years? And should I poke the bear?

[nycfico]

I had a charge off with Chase scheduled to fall off in September 2016.  I was paying it off post charge off, but then stopped for a while and they issued a 1099.  Remaining balance is about $20k.  Annoying thing is that they keep reporting it to the bureaus as a balance due even though they issued the 1099. Iv'e thought about fighting it but don't want to "poke the bear"

I'm hoping to buy a house next summer.  I have read that sometimes CA's will give a courtesy early deletion of 6 months...meaning 6.5 years from DoFD.  Is that true and whhat, if any, circumstances would impact the odds of that?  

Any suggestions on how to approach it?

[9CLINE]

I had a medical coll. removed early from both TU & EX at those points but never on EQ,,,they were the stick in the mud....lol
Good Luck !!!!!!!!

[RobertEG]

The statutory requirment is that any collection or charge-off must become excluded no later than 7 years plus 180 days from the DOFD.

The CRAs normally grant a standard early exclusion at approx 7 years from DOFD. 

You can request an additional early exclusion, usually up to 6 more months.  There are no regs governing early exclusions.  They are at the whim of the CRA, and often at the whim of the individual you speak with at the CRA.  If one rep denies, call again and try with another.

You are not poking the bear when it comes to early exclusions.  An early exclusion is granted solely by the CRA with which the data has been reported.  The creditor or debt collector is not involved in any grant of early exclusion.  Their involvement ends with their reporting of the DOFD, which is then used by the CRA to determine their exclusion date.