<prompt> Human: I have a charge off in 2012 by capitalone. It was stupid 300 that i forgot about, and later paid almost 550 to some collection agency. Last payment date was Nov, 2013. How long do I have to wait for this to disappear?EDIT 1: Account delinquent on 2011.Last payment on 2013.  <response>: It should drop off by October, 2018. 7 years from your date of delinquency. 