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Removal date for charge offs

collics
Established Contributor

Removal date for charge offs

Hello.

 

A couple of CO accounts on my report already have the removal date next to them, but the others do not. 

If I spk w someone at Experian for example, will they be able to confirm the expected removal date?

 

I have learned here items should come off 7 years from the DOFD which led to the charge off, correct? I just want to make sure the bureau has the same dates.

BK 7 Discharged May 2014. Removal Feb 2024! Let the countdown begin!!
Last App: Apr 2023
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FICO8s Dec 2019

FICO8s Apr 2023
4 REPLIES 4
collics
Established Contributor

Re: Removal date for charge offs

This account for example, should be removed from my report around June of 2023 right?

 

Screen Shot 2022-02-22 at 8.55.28 AM.png

BK 7 Discharged May 2014. Removal Feb 2024! Let the countdown begin!!
Last App: Apr 2023
Newest to Oldest:


FICO8s Dec 2019

FICO8s Apr 2023
Message 2 of 5
NaimeseOGK
Regular Contributor

Re: Removal date for charge offs

Yes once 7 years has fully past from the date of each charge off they will have to legally be removed from your credit report and each bureau.






Message 3 of 5
OmarGB9
Community Leader
Super Contributor

Re: Removal date for charge offs

They should be able to, yes.

 

And yes, it would appear that way for your second question. 


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

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Current FICO 8 scores:


Message 4 of 5
collics
Established Contributor

Re: Removal date for charge offs

Thank you both. 

2023 (mainly) and 2024 will have a lot of action for my reports. 

BK 7 Discharged May 2014. Removal Feb 2024! Let the countdown begin!!
Last App: Apr 2023
Newest to Oldest:


FICO8s Dec 2019

FICO8s Apr 2023
Message 5 of 5
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