That is the first thing I asked teletrack when I ordered my report over two weeks ago..if they delete after 7 years and they told me yes....I still have not received my report and called them on Friday only to be told she did not see that I ordered it. Still waiting!
100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
I honestly would just wait the 4 months out. I say this because I have a collection that is only on my equifax and I stirred the pot so now they are hinting at throwing it on my transunion. Well she said they report to transunion and equifax and if I paid she would not delete but only update the new balance. It has always been on my equifax so I was scared it would update on Transunion too if I 'did the right thing". I have been frantically checking my reports to see if it was listed on the others. I would leave it alone and in 4 months if u feel the need to pay when it's deleted then press with pride.