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.
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.