Charge offs.

My girlfriend and I are looking to buy a house in the next couple years and we need to clean up her credit if we are to finance a house. She has accounts that are "charge-off"-ing on her delinquent accounts month after month. Is this a legal way to represent a charge off? The charge-offs have been on here credit report for 48 months, each month with a charge off indication.
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If they submit it to the bureaus and the bureaus accept the entry which it seems they have. Yes they can.
I would verify the debt or dispute the accounts if you think they are not right.
Remove completely
Universal Dispute Form