I currently have a credit score of 667. The only negative note I have is from a credit card where I owed $4,100 but failed to make any payments for 22 months. That debt was eventually charged-off. However, in June 2016 I paid the debt off in full in one lump sum and then closed that credit card.
Will this affect my credit score for the next 7 years or is there a way I can have this taken off my credit report sooner?