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.
So, when you do the math, the 7 year reporting period is really 7 Â½ years (from the last missed payment) that you can expect the derogatory item to come off of your credit report. Remember: Only send this letter to the bureau(s) that are reporting the derogatory information.