So, without further adieu, letâs take a look at the Kiss logo, arguably one of the best band designs of all time. Originally known as Wicked Lester, the group changed their name to Kiss with the addition of Ace Frehley to the band lineup of Paul Stanley, Gene Simmons and Peter Criss.
1 Charge-offs are items listed as âuncollectibleâ. 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.  All civil suits and some criminal arrests, as long as the statute of limitations is not longer than seven years.
Even if you choose to not pay the collection, it must fall off your credit report after 7 years + 180 from the date of last delinquincy, as reported by Bank X. To sum up, when your original debt from the original creditor turns 7 years old + 180 days, it will come off of your report. The collection account must also come off of your report with it.