Several weeks ago I think it was Lizardking or someone that pointed to letters written from the FTC that said that the date they report must be no later than 60 (?) days from first deliquency that lead to the charge off. That would probably be around July 1997. So, it would go off my credit report in July 2004? Right? I am just asking... Another question... what if you have a charge off that ends up being a judgement... do both those items end up on your credit report or can they only report one? Please help!