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.
If you close an account that was not paid as agreed and charged off, on the other hand, it will typically stay on your credit report for seven years plus 180 days from the start of the delinquency that led to the charge off. I hope this helps.