Should I try to remove this or leave it alone?

[JMMD]

We have an old account that was paid in full in 2007. We have one 30 day late at the very end of the loan. Other than that one late, we had perfect payments.The date of the late was August 2007, so it should drop off August 2014. Should I just  leave it alone or try to get it removed now?  We are hoping to buy a house in the spring of 2014, but more likely it will be 2015.

Thank you!

[guiness56]

If you don't want to take the chance of the entire TL being removed, I would leave it alone.  When you GW something, sometimes they will remove the entire TL and not just the late.  Same with a dispute.

The late is really having no impact on your score being that old.

[JMMD]

Thank you. I will leave it alone.