I have an account that was sent to collections and I settled it with the co. The original creditor is still reporting it while the CO does not. I disputed the date and the original came back that the account was closed 07/2004. I have a delinquency letter which supports that they closed it then and it was delinquent. I did make a token $50 payment in 04/2005 to the original creditor. Because of that payment the records indicate the account will not drop off until 2012 even though the date of first delinquency if really May of 2004. When should this drop off?
