Drops off Jan/08

[Anonymous]

I have a car loan gone bad Household Automotive Finance. It is do to drop of CRA's date Jan/08. It is also listed on CRA's with BeaconServices LLC as a collection. My question is should I just let them drop or should I dispute to see if they drop a little early? Has anyone had luck with items that are aged dropping off early with disputes?

[fused]

I do not recommend disputing a debt that is yours. Also since this collection is quite old, you are not likely to see a sizable increase in your scores.

[Anonymous]

Make sure that you keep hard copies for proof just incase the CA shows up in another year

Let it fall off

[Anonymous]

Thank's Fused111 and Happydays, I'll let it just drop off.

[Anonymous]

I agree let it drop off.. If you dispute.. they might find something in the fine print of your account history to keep it on longer or redate.