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Even if you do pay off the account at a later date, the charge-off or collection action stays on your report for seven years. For example, let's say you apply for a credit card and provide the card company with all of your personal information, such as your name and address, your previous address (if you haven't lived at your current residence for more than two years), your employer, other credit cards you have, etc. The credit card company then contacts a credit reporting agency (CRA) and reviews your credit report. You have to call or write to the card company and ask to close the account. The same goes for accounts that creditors have turned over to collection agencies or charged-off -- meaning that they've written the account off as a loss. You might get a copy of your report from Experian that does not include an account that shows up on your report that is maintained by TransUnion. Most large creditors report this information to all three national credit bureaus (CRAs). Typically, these smaller local and regional bureaus are affiliated with one of three large national credit bureaus -- Equifax, Experian and TransUnion (see below). Next, we look at how credit bureaus get information

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