When you're dealing with debts and negative credit report entries, there are two time limits you should know — the statute of limitations on debt and the credit reporting time limit. (creditrepair.org)
Remember that credit report disputes not only apply to data that's inaccurate, but also credit report entries that are incomplete or can't be verified. (creditrepair.org)
A charge - off is one of the most harmful credit report entries, short of a bankruptcy. (badcredit.org)