Should I GW this CO

[Anonymous]

I had a CO opened 1/2004 from Wachovia that was now showing as $0 balance and the CA RJM ACQ had opened a collection on 12/2007.  I paid RJM and they have removed the collection.

Should I bother GW Wachovia to have the CO removed or because it is old with $0 balance it wouldn't effect my Fico score much?

[llecs]

Old accounts, even if charged-off, can help you if it contributed you your credit history (age). I would pull EX directly from EX and that report will tell you for sure if it was adverse or not. If not, I'd leave it alone. Also, if it doesn't say charge-off, it porbably is helping you anyway, esp. if your FICO report says "paid as agreed" and "never late".

[Anonymous]

Thanks for the response.

It is stating CO, just with a $0 balance