I have a student loan that was charged off in March. Equifax shows it charged off and hasn’t updated the payment history since then. They have updated the balance every month because it was still accruing interest. Experian on the other hand updates the payment history every month as failed to pay. Can they do this even though it’s a charge off? I thought once something was charged off that if they continued to update the payment history it would push out the SOL. So until they stop doing this am I going to have 7 years from the time they stop updating the payment history??