What can I do about a charge off (two actually) that is past the statute of limitations for collection from me? I need them removed from my report entirely and am willing to negotiate with them for it but would like to first see if there's any way it can be removed based on the fact that they cannot legally collect.

A little background... everything I ask about here is about my husband's credit report. We're trying to buy a home (hopefully it will be repaired by next year) and I need to clean up his report. I know that charge offs must be taken care of before a mortgage lender will lend because a lien can be placed against the home and must be paid before the lender is repaid. BUT, what about this situation? The charge off creditors no longer have a legal right to sue for repayment since it is past the statute of limitations...

Thank you in advance!