when this account can be delete off report?

[hoang817]

according to this picture, can some one tell me when i can start to dispute to remove off my report for this account? Its a paid off in full  CO.

Thanks

[myscoresucks2]

You need to find out when first date of delinquency was. It would be 7 years from that date. The charge off date would be about 6 months after the DOFD, Do you remember what month and date you last paid?

[pizzadude]

Same answer as last year

[DebtNavigator]

It makes sense that you’re wondering when this will drop off your credit report. A charge-off remains on your report for seven years from the first delinquency date, even if you pay it.

The payment history shows the charge-off occurred in October 2018. It should be removed by October 2025 at the latest. The key is to find out when the first missed payment occurred. This likely happened in early 2018. Charge-offs usually happen about six months after a payment is missed.

If you made a payment during the charge-off period, it would not restart the seven-year clock. However, if the account was settled or paid off, the balance should reflect that. If it is still showing a balance, you may want to dispute it to have it updated.

If everything is accurate, it should automatically fall off in 2025. If it doesn’t, you can dispute it at that time to get it removed.