when do items fall off your credit report
1 Charge-offs. 2  Charge-offs are items listed as âuncollectibleâ. 3  The credit report drop-off time is seven years plus 180 days or six months from date of the delinquency, not from the date of the charge-off. 4  All civil suits and some criminal arrests, as long as the statute of limitations is not longer than seven years.