I finally gave up on having it deleted and wrote a 100 word consumer statement saying the debt was not mine. It is old (1999) and since it shows paid off, I assumed it does not affect my credit score much. Am I right on this? With my explanation, how much does it affect my score? On another note, I carefully worded my 100 word statement, checking it for clarity, grammer and spelling. Equifax rewrote it before inserting it, using bad grammer and spelling and making me look almost illiterate. Are they required to put my statement in the report as I wrote it?