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Is old collection still affecting score??

Contributor

Is old collection still affecting score??

I have an old collection on my reports that is still not paid.   The date assigned is 06/2003.   The condition states "derogatory".    Is this really affecting my score much at this point?  They won't PFD so should I just forget about it?
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Moderator Emeritus

Re: Is old collection still affecting score??

It is affecting your score-
 
The date assigned is not as important as THE DOFD and (EQ's dates DOLA) as these are the dates (plus 7 years they will be deleted)
 
The last reported date is also important- because if the CA is updating the TL every month- the collection will always look recent-
 
I say (If out of SOL) DV and PFD-  
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