I have an old TL with DOFD 2007 schedule for removal in July/August 2014. Does anyone have any idea of what it's costing me in FICO score value? -- Trying to determine whether to dispute, send GW letter, or let is fall off as scheduled. Thoughts?
With 5 months till it naturally falls off your report, you can try to dispute as obsolete. I forget which, perhaps TU, is more of a stickler on this and may make you wait until much closer. With an SOL that is probably long expired, there's no worry in doing this, though there is probably very little effect on your score at this point, bigger problems would be on manual pulls. For example I have a 30 day late that is 5.5 years old, and a paid CO that is over 3 years old on my reports, yet my scores are in the 700's.
