If disaster should befall the larger chick the parent can switch to feeding the youngest and it will exhibit a constant growth curve from the day of active feeding. From Wikipedia
Simply send them a letter (with proof of delivery) using the contact information found on your credit report. Generally they have 30 days to investigate and get back to you, or the information must be removed.
Charge offs normally occur within 180 days of consecutively missed payments (they can happen sooner than 180 days). The 7.5 years the negative item stays on your credit report starts from the first missed payment to your lender.