Greenwood is an important lake in the Skylands region. Historically known as a resort community and playground for celebrities â Cecil B. deMille, Babe Ruth, the Jeter family, and others in sports and the arts â Greenwood Lake still offers adventure, fun, and relaxation for families and singles.
1 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.
The creditor charged off your account nine months later, in September 2012, and reported that to a credit reporting agency. Your delinquency began in January 2012. So the credit reporting agency can report the charge-off for seven years, plus 180 days, until about July 2019.