Moderator Emeritus
Posts: 11,562
Registered: ‎08-29-2007
Re: Wait it out or what?

First off, don't dispute it unless inaccurate.

 

Second, do you plan to apply for any major credit before December?

 

Third, IMO, this is likely have little impact on your score if it is so old UNLESS this is your only blemish.

 

Unless you have some major reason for wanting it removed early, leave it alone and let it die a natural death.

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