The original lender shows a zero balance, and a charged off status that remains until reaching the negative credit reporting time limit of seven years. (growingfamilybenefits.com)
The credit reporting time limit for collection accounts is based on your delinquency with the original creditor, not when the collection agency begins collecting on the debt. (rebuildcreditscores.com)
But there are times when a credit score isn't available or for some reason the credit score is kept low due to a bankruptcy showing on the credit report some time ago. (valoancaptain.com)