It's possible to negotiate a pay-for-delete with the creditor Reviewed by Melody Bell Negative information, including charge-offs, can remain on your credit history for up to seven years and ...

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Dr. JeFreda R. Brown is a financial consultant, Certified Financial Education Instructor, ...

Knowing the timeline between charge-offs and collections can help you take action before the issue gets worse.