Hello Everyone.. There's a OC that is listed on my CR ..last activity from OC was 10/02. My last purchased was on 1997 unfortunately, do not have receipts/records.... There are payments posted on EQ as follows: DELINQ 120+ ...(120-06/02), (120-03/02) (120-02/02 (120-02/01) (120-11/00). I do recall making payments on and off back on 2000, however TL does show a charged off. It just list DELINQ 120+ . I have disputed with CRA and came back "verified". as not mine... By now it should be "charged off" Should I send VL to OC or should I settle upon payment and have neg remove? This is a weird one! Thank you for your help. EstherC