Collection while deployed

[Sadiya]

I was deployed in 2011, I decided at the last minute to join the deployment team that I had to leave power of attorney for a friend to move out of my apartment. Fast forward to 2012 and I noticed there is something on my credit for sure deposit, I wasn't sure what it was for and continued for several years to dispute. Finally last year I received a copy of the paperwork stating it was an charge from my old apartment complex for a carpet stain. I did some research and see it is past the SOL but it is still affecting my credit and score. I thought of paying it off and seeing if they would delete it, but then I was worried that if I paid it off now it would start the clock again. It is a very small amount $160, I would have paid it if I was notified of the issue when happened. What should my next move be? Leave it alone, pay it in hopes that it will be removed or worse updated as current.

 

 

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[TheStruggleIsReal]

If it's passed the SOL, just dispute it off for length of time with the three big CB.

[PotO]

If it's passed the SOL, just dispute it off for length of time with the three big CB.

SOL has little to do with Credit Reporting Time Period.

 

From the looks of things it appears you have a year or two before it must drop from your credit reports.

 

Since you are willing to pay, I'd contact the owner of the debt and explain the circumstances. Given the situation, I would be surprised if they wouldn't agree to a pay-for-delete.