It is usually 7 years and 180 days from the last activity date. You have to wait until it drops off automatically. You can contact the three credit bureaus by registered letter asking them about exact date it will drop off.

The CRA will not remove them early unless the creditor tells them to do so. Unless you file a dispute and the creditor don’t respond, the debts are so old chances are good that they may not respond.

Is it reporting 100% correctly? Is it exactly the same on all 3 national reports? It can’t hurt to send a request to each of the CRAs (like TransUnion..) and ask them to verify the account. If it comes back verified you can request they send you method of verification. If a collection agency has it listed send them a validation request. Quite often you can find at least a small mistake like an incorrect charge-off date. Handwrite your letters on colored paper, keep copies and send the ones to the collection agency CMRRR and don’t “sign” your name simply print it. Don’t do the work for them either….it’s their job to put the correct information on your reports or delete it.

You can always try, but unless it is invalid information it won’t come off. You may want to verify that the date of delinquency they have is the one you show. If you can show that they are 4 months off then it would be a vaild dispute.

Now, the somewhat good news is that a record this old is having a very minimal effect on your score. The way the scoring sytems work is give more weight to recent items. So depending on what this was you may not even see a change in your score when it does come off.