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.
A debt collection is one of the worst types of credit report accounts. A collection account shows that you have become seriously delinquent on an account. Your credit score will drop if a collection appears on your report. You may be denied for credit cards and loans in the future, especially if the collection is recent or remains unpaid or both. Debt collection accounts can stay on your credit report for up to seven years. You can lessen the effects of a collection on your credit score by paying it off. As time passes, the collection account will affect your credit less.