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Yes, a charge-off may remain on your credit report for 7 years. Any collection agency that owns that debt may also remain on your credit report up until the original charge-off drops off after the 7 year period.

If you have a credit card charged-off in August 2002, it can remain on your credit report until June 2009.

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Q: Can a charge off from 2002 be reported in the in the payment history for May 2008?
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