Had a cable bill a roommate did not pay in college. Went to collection in Oct 2001. It still shows as a negative on my report now, but its been 6 years. I paid it several years ago. At this point is it really even hurting my score?
It should come off Oct 2008 at the latest, right? Or should I try to figure out when it actually became delinquent (sometime that summer) and request to have it removed sooner? I was thinking that the 7 year window on collections starts when it becomes delinquent, not when the CA starts reporting it.
Scores June-09: EQ 798 TU-785
Scores Mar-09: EQ 792 (getting close) TU-782
Scores Feb-09: EQ- 786 EX- ??? TU-777
Scores Jan-09: EQ- 791 EX- 786 TU-765
Scores Aug-08: EQ- 786 EX- 779 TU- 737