How long does it take for charged off accounts and credit card debts to be taken off of a credit rep

WASHINGTON STATE.

i really need to to finish school , but in order to do that i need to take out a private loan, because federal loans aren%26#039;t enough, but my bad credit doesn%26#039;t allow it...please help!

How long does it take for charged off accounts and credit card debts to be taken off of a credit report? in?

Once again, everybody gets this answer wrong (except for Spiff, of course).

Just one of the problems here with Yahoo.....people can%26#039;t take two minutes to research their answers. What really makes it sad....I%26#039;ve only posted this answer dozens of times. Go on...take a look at my answers! Amazing, isn%26#039;t it?

OK, once again...everybody open your books to the Fair Credit Reporting Act (see below). The reporting time for negative information on your credit report is 7 years, starting from the date of the delinquency.

It makes no difference if it%26#039;s paid off. If it%26#039;s on longer then that, it%26#039;s because the collection agency illegally re-aged the debt by reporting a fake delinquency date.

The delinquency date is defined as the day you owed the payment, but didn%26#039;t pay. Example, if you owed a debt on Jan 1, 2000 and missed that payment, THAT is the starting date. On Jan 1, 2007 the item must be deleted from your report.

How long does it take for charged off accounts and credit card debts to be taken off of a credit report? in?

Um, I think quite a while, like a few years at least. Pretty typical of anything really negative on your credit.

How long does it take for charged off accounts and credit card debts to be taken off of a credit report? in?

If you haven%26#039;t paid them, it usually takes 7 years, or longer, depending on the company or collection agency and how long they continue to hit your credit report.

If you paid it off though, give them 6 or 8 months and if its still there, give them a call.

How long does it take for charged off accounts and credit card debts to be taken off of a credit report? in?

Sorry, but these will stay on your credit report for 7-years from the date of first delinquency.

How long does it take for charged off accounts and credit card debts to be taken off of a credit report? in?

Alicia, used to after 7 years your credit report would roll over clean, not anymore, they are hanging on to stuff from 10 years ago....I know I just had applied for a loan and they asked me about a bill that was in 1995, which had been paid to a collection agency(Ihad proof thank God), but that would have caused me not to get the loan, had I not had the paperwork....I dont throw anything financially away, you neve know when you may need it! Try checking with some independent financial institutes in your area, some may loan, but at a higher risk rate....start cleaning up your credit as soon as you can, it will follow you for the rest of your life!

How long does it take for charged off accounts and credit card debts to be taken off of a credit report? in?

7 years minimum

How long does it take for charged off accounts and credit card debts to be taken off of a credit report? in?

Washington -statute of limitations by years...

3 -ORAL agreements

6 -PROMISSORY agreements

3 -OPEN accounts

6 -WRITTEN agreements