A reported charge-off or collection has a required exclusion date-certain of no later than 7 years plus 180 days from the date of first delinquency (DOFD). The CRAs rountinely grant their own early exclusion of charge-offs and collections at approx 7 years from DOFD without any need for request from the consumer.
Monthly delinquencies are not as precise, as there is no explicit section of the FCRA that covers exclusion of monthly delinquencies.
One CRA will exclude all monthly delinquencies in the same chain once the initial delinquency in the chain reaches 7 years, while the others may either follow that same policy, or only exclude each monthly delinquency separately at 7 years from its month/yr reported.
Similary, if an account has reported charge-offs, only the CO reporting will normally be excluded once the credit report exclusion period is reached for the CO if the debt has been paid. If the debt remains unpaid, then the entire account must be excluded since the current status remains as a derog that has its own exclusion requrment at 7 years (FCRA 605(a)(5)), thus mandating removal of the entire account.
Thus, removal of the entire account normally only occurs if the debt remains unpaid.
If you wish to request removal prior to the credit report exclusion dates (credit report exclusion is done by the CRA, not the creditor), then you can separately send a good-will request to the reporting creditor, asking that they delete.
You would normally request deletion of only derogs, and not the entire account, in order to preserve the reporting of an account if the age of the account is greater than your current average age of accounts.
