Negative accounts, even paid defaulted loans can remain on your credit report for seven years from the original date of the first missed payment that led to the defaulted off status.
Once a bankruptcy is filed it is almost impossible to un-ring the bell. Even if the debt is paid, a dismissed Chapter 13 can stay on reports for 10 years.
Creditors can report a charge-off every month to the credit bureaus but if the charge-off has been sold to a collection agency it must report a zero balance
A collection agency can report the date they received a debt but that does not change the date the debt is due to come off your credit reports.