If you fail to make payments on a debt that you owe for six months or more, your creditor may very likely make the decision that your account is not able to be collected upon and the creditor will write the account off. Accounts that are written off by creditors still are reported to the credit bureau. These accounts will be listed as “charged off” or “unpaid and uncollectible”. If you have these types of accounts on your credit report, they should be removed when seven years have passed. You may need to utilize credit repair tactics to get these accounts removed if they remain on your report after seven years.