Hello, I recently had gotten serious about building up my credit. I have never really used credit or applied for it unless absolutely nessesary in the past 15 years. After realizing I really need a newer vehicle, I pulled my reports. I noticed an account that was listed as a negative/charge off. The details were : An installment account, start Jan 2000, term 12 months, $ 74.00 a month, first delinquency Sept 2009. This account is now 15 years old, and at the latest should have been removed in 2008. But the company reported it as being delinquent in 2009. I filed a dispute to have it removed because its now 7 years after the first 7 years. I got a response from the credit bureau that stated the company responded that it is being reported correctly. My score dropped 16 points then. I don’t understand. Its obvious by the information the company provided that I didn’t pay 9 years on a 12 month contract and then stop. I don’t know how to proceed. Any advice will be greatly appreciated.