2015?  That must be the day it's expected to fall off.  The DOFD would be 7 years +180 days before that.  So essentially this is a 5 year old delinquent account.  So it is aged.  Send the GWs, at worst it's on for a couple more years, at best you can GW it off.

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Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
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