Some collection agency contacted me last August about my discover card that I hadn't paid on since 1998. I sent a validation request to the collection agency and never heard from them again. Today I got my free reports and Transunion shows that "This item will be removed in 2011"!!! They moved my DOLA up to 8/2004. Equifax shows Dec 1998 as the first 30 days late and I never made a payment or agreed to pay since then so I don't even think it should be on any of my reports as it's been more than 7 years now. Since this is an OC and not a CA do I just dispute with the CRA's?
