I have an old CO TL near the 7 year mark ( few months away according to DOLA on CR). Do you think it would be wise to dispute it as not mine, or dispute the DOLA which is actually reporting in error and I have the statements to prove it. (pays to be a packrat sometimes!) Or should I just leave well enough alone, let it drop off (if it does correctly) and be done with it? TIA, K
Hard to say. I would say (unofficial advice, others may disagree) that it would depend partly on what report it's on. I've had great success in having early removals on both TU and EFX, but EQ is not nearly as nice. I would dispute some accounts (from my previous 35+ negatives) a few months early, and the dispute would knock it off of my report. It also depends on who the creditor / CA is, and whether you have any fear that this might "wake a sleeping giant." Just my $55.03 (don't you love inflation?)
