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.
Eventually, in July 2009, they sold the debt to a collection agency who then took over trying to get from you the money owed. In this example, the date this item will fall off your credit report would be at the end of January 2016 since that is the date of your last activity on the account. Many credit reports helpfully list the date an item will be removed from your credit file.