How do you get charge offs removed from credit report after 7 years?

Anyone has the legal right to obtain all three of their credit reports for free every 12 months through www.annualcreditreport.com. However, that doesn't answer your question. Neither does the 7-year rule.

If your charge-offs have been reported for over seven years, filing a dispute with your credit agency shouldautomatically take that information off of your report, as it would be against the Fair Credit Reporting Act otherwise.

Instead you're in a position where you need to do a bit of research. Was the account "charged-off" and then sold to another creditor or collection agency? If so, were you ever notified of the charge-off or sale of your account to another creditor? Is the balance of your account mysteriously higher than you last remember? If any of the answers to the previous questions are yes, you do have cause to file a dispute and initiate an investigation.

Just remember that any dispute which ends in verificationof information will make future disputes about the same account more difficult!