So, if I understand it correctly you have one bad account on your report that is an unpaid CO and this same account has also reported 30/60/90/120 back in time? Or, do you have multiple different accounts that are reporting those?
If it's isolated to that one account, when did it first start going late which led to the CO? That will be your date of deletion. If it first starting reporting the deliquency that led to the closing of the account (and the CO) in 2009 then this will be deleted off your CR in the year 2016 (so in theory it could be less than a year).
From what I understand from others on here (and please someone correct me if I'm wrong), there's varying opinions on paying off a CO this late in the game. If you paid it off, it would help your UTIL but the difference of paid vs unpaid may be negligible at this point until the account just ages off. If you're trying to get certain types of credit it may *appear* better that you paid the CO, but I don't *think* it will actually make a huge score impact.
A couple other options:
1- GW: If the debt is set to fall off soon anyway, a GW letter may do the trick to the creditor to go ahead and delete the tradeline
2- EE: Generally speaking, if it's within 6 months TransUnion may do a "Early Exclusion" deleting it off the CR and Eq/Ex are generally about 3 months out.
