collection almost 7 yrs old? what to do?

[Anonymous]

Hi:

I have a collection account on Equifax from EOS CCA / Sprint according to credit report DOFD 11/2005.

It is a fraudulent account.

I contacted Sprint and sent fraud letter to them, and also to EOS for same reason.

It has been 2 months since , and have not heard from them.

Should I continue fighting them?

Is it worth the time ? 

Would it impact my score by many points or not?

or , should i just wait for November to dissapear?

Regards,

[pipeguy]

If it was mine, given your efforts so far to get it deleted with no response, I'd just let it fall off at the 7 year mark. I mean you can fight it with CRA disputes and demand to delete letters and even a BBB complaint, I just don't think its worth it as far as credit scoring given its low impact (age).  

[namvet]

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@Anonymous wrote:

Hi:

I have a collection account on Equifax from EOS CCA / Sprint according to credit report DOFD 11/2005.

It is a fraudulent account.

I contacted Sprint and sent fraud letter to them, and also to EOS for same reason.

It has been 2 months since , and have not heard from them.

Should I continue fighting them?

Is it worth the time ? 

Would it impact my score by many points or not?

or , should i just wait for November to dissapear?

Regards,

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  I would just wait and let it become history.

[r1lukasz]

I will fight it till its off report but its your credit and you can do whatever you want, just this month I was able to remove all negative accounts and my transunion ficco is 786!!!

[Anonymous]

If you need to request a line of credit before it's set to fall off I'd fight it.  I'd dispute with the CRA & the OC/CA at the same time and give the OC/CA 30 days to reply to you.

If you don't need a line of credit any time soon I'd leave it alone.

Personally, I'd dispute with the CRA and the CA/OC at the same time (Google 'Jack Attack Method' for this method).  I've done this and had good success so far, 2 out of 4 items that were due to fall off towards the end of this summer have already been removed from all 3 of my CRs.  1 came back verified and I'm just going to wait, the 4th has yet to reply.

[fused]

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@pipeguy wrote:

If it was mine, given your efforts so far to get it deleted with no response, I'd just let it fall off at the 7 year mark. I mean you can fight it with CRA disputes and demand to delete letters and even a BBB complaint, I just don't think its worth it as far as credit scoring given its low impact (age).  

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+1!

[fused]

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@Anonymous wrote:

If you need to request a line of credit before it's set to fall off I'd fight it.  I'd dispute with the CRA & the OC/CA at the same time and give the OC/CA 30 days to reply to you.

If you don't need a line of credit any time soon I'd leave it alone.

Personally, I'd dispute with the CRA and the CA/OC at the same time (Google 'Jack Attack Method' for this method).  I've done this and had good success so far, 2 out of 4 items that were due to fall off towards the end of this summer have already been removed from all 3 of my CRs.  1 came back verified and I'm just going to wait, the 4th has yet to reply.

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--fused, myfico moderator

[Anonymous]

Thanks to all for your replies...

I decided, to wait for it to fall off.

[fused]

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@Anonymous wrote:

Thanks to all for your replies...

I decided, to wait for it to fall off.

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Any collection that old should be LEFT ALONE!!!!!!!!