 TITLE: How Long Do Charge-Offs Stay on Your Credit Report? CONTENT: How to Remove a Charge-Off\n--------------------------\nA charge-off stays on your credit report for seven years after the date the account in question first went delinquent. (If the charge-off first appears after six months of delinquency, it will remain on your credit report for six and a half years.) There is nothing you can do to get a legitimate charge-off entry removed from your credit report.\nIf a charge-off is reported inaccurately, or if it fails to \"fall off\" your credit report after seven years, you can file a dispute with Experian or one of the other national credit bureaus to have it removed from your credit reports. END