It still appears on my credit report, now as Cingular Wireless. Account History: Charge Off as of 9-2002 to 7-2003, 4-1999 to 7-2002, 6-1998 to 4-1999, 3-1998, 12-1997, 11-1997, 9-1997, 6-1997 to 8-1997 30 days as of 3-1997, 12-1996 They are reporting as 'CO' every month, and I have never had collections attempt to contact me. Trust me, I have paid every collector who ever contacted me years ago (before I knew about how to handle collections) because I thought that was the right way to go. Anyways, if the earliest chargeoff is 6/97, when would this disappear from my credit report? And if I have *yet* to be contacted by anyone (OC or CA) in more than 6 years, does that mean anything? Help! I plan on applying for a mortgage this winter, and I know I could easily just write a check for $90 at closing, money is not the problem. I just want to know the most credit-score-beneficial way to approach this. I did a dispute as 'Not Mine' or something similar with EX and TU (EQ is not reporting it at all), and their deadline should be up soon, but *IF* it comes back verified, then what? Bueller?