CREDIT CARD CHARGE-OFFI have a charge-off on my credit report. The initial date of delinquency is 12/2006. When can I expect this to be officially off of my credit report? I know that 12/2013 makes it 3 years...how prompt are the credit agency's in removing this info usually?I'm looking to buy a house in the next 3-4 months and this makes quite the difference on my credit score...October 17 2013 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.