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
Simply send them a letter (with proof of delivery) using the contact information found on your credit report. Generally they have 30 days to investigate and get back to you, or the information must be removed.
-- Mary Dear Mary, A charge-off listed on your credit report simply means the lender has reported the debt as a loss. This is done for the lender's tax purposes. Paying a charge-off doesn't get it removed from your credit report. It just lets future creditors know you've made good on that loan. It remains on your credit report for seven years plus 180 days, calculated from the first nonpayment.