Re: Removal dates

hello all,

 

i have a couple question.

 

I was wondering i owed one credit card and it have a bad report with the OC and it was charged off so i have another bad marks on my CR  with a CA also, and the collection agency sold it to another CA, how do i caculate the time frame it will fall off, do i caculate when the first DOFD with the OC?

 

and after the 7 1/2 year have passed does the bad marks on my CR automatically fall offs? or do i need to ask it to be removed?

 

and what if they dont remove the bad report on my credit reports after 7 1/2 years ? what should i do?