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Why are charge-off accounts not showing on my credit report?

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  Answers  |  1

June 25, 2018

How long has the debt been charged off? Typically, an account is only listed as a charge-off on a credit report once your payment is over 180 days late. However, if a charge-off did appear on your credit report, it will only fall off after seven years from the first date of delinquency.

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