If disaster should befall the larger chick the parent can switch to feeding the youngest and it will exhibit a constant growth curve from the day of active feeding. From Wikipedia
Depends, a repo stays on credit for 7 years, and a bankruptcy stays for 11 years, after you have paid off a debt and they have received payment it should be taken of immediately, but you may want to get a free credit report and check and if it is still there call them and ask them about it.
Dealing with charge offs. If you find that your credit report does show a charge off, you may be able to get it removed. As a general rule lenders do not write off debts until they are six months past due after which time they may sell your debt to a collection agency.