A charge-off account will appear under the negative column of the credit report for up to 7 years. This is from the date of the last payment. You can figure out the date of the last payment by looking at the payment history of the account. And also by looking for the last 30-day late payment incurred on the account. The month before the last 30-day late payment was reported is the date of the last payment. It is also known as the date of the last activity. Adding 7 years to this date will give you the estimated date when the charge-off account is scheduled to fall off your credit report.

If you want to learn more about how to payoff or settle a charge-off, you can avail our free credit help.