How long before a collection / charge off doesnt show up?

I have always heard that negative information only shows up for 7 years, then they are removed. But I am not even sure if that is correct. I ask because I pulled a new 3 report MYFICO report today and have an old credit card that shows up as charge off on EQ and TU, and Collection on EX. The "last activity" date is Feb 2011... but the "status date" is July 2015 so my question is.... is it the last activity date that I am waiting 7 years for? or is this somehow continuing to update every month and will never go away on me?

ScottL wrote:
I have always heard that negative information only shows up for 7 years, then they are removed. But I am not even sure if that is correct. I ask because I pulled a new 3 report MYFICO report today and have an old credit card that shows up as charge off on EQ and TU, and Collection on EX. The "last activity" date is Feb 2011... but the "status date" is July 2015 so my question is.... is it the last activity date that I am waiting 7 years for? or is this somehow continuing to update every month and will never go away on me?Pull your free full reports from annualcreditreport.com and you will see the estimated drop off dates for your derogatory items. This info is not displayed in the reports you get online from places like MyFICO, creditkarma, creditsesame, etc.

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How long before a collection / charge off doesnt show up?

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