My Experian and TU reports are finally clean, but I still have a derogatory on my Equifax report. The details: FUSA Date Opened: 5/95 Last Activity: 3/96 Date Reported: 10/98 Type: Revolving Status: Charge-off High Credit: $1315 90 days past due: 2 I suspect this is legitimate (it's a legit account, though there's a small possibility I paid it off long ago when I paid off some other derogatories). When will this disappear off my CR naturally (I'm not sure what the limit is and what date it's based on)? Also, does it make sense contacting them to pay? It's been written off, I can certainly afford to pat it. Any help is appreciated. Given that my non-Equifax scores are significantly higher, I'd like to see this one go away.
