how long does charge off stay on your credit report
The statute of limitations for a charge-off is seven years from the date a creditor reports your account as delinquent. Depending on the creditor, it can take anywhere from 30 to 180 days for the creditor to file this report.he statute of limitations for a charge-off is seven years from the date a creditor reports your account as delinquent. Depending on the creditor, it can take anywhere from 30 to 180 days for the creditor to file this report.