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The statute of limitations in CA for unsecured debt is 4 years; how come charged-off accounts from 5 years ago would still be listed in a credit report? If these are real unpaid debts, can they be removed upon formal/written request, or would a bankruptcy be the only way to remove them? If not, will they stay on file forever, or would they automatically fall off the list at the end of 7 years from last activity?

Thanks for your help.

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