Evidence of financial problems doesn't stay on your credit report forever. Credit bureaus should remove most types of derogatory information, such as charge-offs, from your credit report after seven years. If your credit report still lists outdated charge-offs, you should contact the issuing credit bureau and request a deletion. Instructions 1 Request your credit report from each credit bureau. You can get one free copy of your credit report from TransUnion, Experian and Equifax every 12 months through Annual Credit Report. If you've already...