What's the best legit company to use to help w/ old debts ( charge offs, etc.).?

Question

My credit report consists of charge offs and closed accounts that are at least 7 years old. How long will an item appear on my credit report?

Answer 1

It's hard to say without knowing exactly what type of accounts you are referring to.

For a general overview:
If the negative accounts are credit cards, general bank loans, etc., then they will remain for 7 years.
The reporting for negative credit cards starts the first time you became 30 days late and never brought the account current leading to the charge off.
Bank loans are 7 years from the last payment.

Negative accounts cannot legally be re-aged to run longer than the normal reporting period.

Positive accounts can last for 10 years or longer.

Just because the accounts may fall off your credit reports does not mean that the origianl creditor/collector cannot continue to try and collect.

How you might deal with the creditor/collector would depend on whether you are still within the collecting SOL for your state or not.

You might click on my profile and click on the link I've provided to look up the collecting SOL for your state.
If you are past the collecting SOL you have a legal right to inform the creditor/collector that the account is no longer legally collectible.

You might also do some reading in the other links I have listed, to the FCRA, FDCPA and also the last link listed.