I have had this thing on my report for like 10 years. After disputing several times, they sent me an e-mail a few minutes ago saying it was deleted. I can't wait to see my updated scores.
fico score was 440
1 week later its 442
This month I paid my 2 credit cards down with a bal of only 10.00 each after over the limit last month and now Dillards deleted. I hope my score starts to climb.
Thanks for the FICO forums!!!