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My opinion? Leave it. It's not hurting anything. It's a minor derog that lost it's sting years ago. It will fall off in a few months., Lates stay on for 7 years from their respective dates, there is no +180 days for them. This is a positive TL that's old and adding to your AAoA. You'd risk the chance of having the TL deleted.
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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