im really confused now

[cqdealer711]

guiness, its reporting a balance but they stopped reporting in 2008, if that matters.

[guiness56]

They are still reporting, they just aren't updating.

Since they have not updated for almost 5 years, if they did now it could drop your score. 

When is the DoFD?

[cqdealer711]

04/2008

[guiness56]

Well, you can either contact the OC or wait and see if you get another dunning letter from a CA.  Then you could do a modified PFD and ask them not to report.

[cqdealer711]

do you think i should wait until the dispute with the CRA is over for the OC?  According to the FTC, they were supposed to remove that TL anyways many years ago.

EDIT: it was for First bank of delaware/continental finance which fell under this ruling( i think)  http://www.ftc.gov/os/caselist/0623212/081219compucreditstiporder.pdf

[guiness56]

If you have already disputed based on that, yes wait to see the outcome.