Advise on how to remove paid charge off

Looking for any advice on the best way of handeling this. I have a old paid charge off  on my credit report that is scheduled to drop off in early 2016. I would love to get this removed early, but not sure if it is worth it. Is it really affecting my credit score at this point? I have read in several forums that when older than 48 mos it doesnt factor much into score. Is writting a goodwill letter to the original creditor the best way to go to get it removed? If I do send one to the OC do I have to send one to the collection agency as well to have them remove it also? If I sent a gw letter could there be any negative consequences? If they dont remove it, could they update the most recent activity date, since I contacted them? I know I posted alot of questions- any help is greatly appreciated.

jeeptrailmaster wrote:
Looking for any advice on the best way of handeling this. I have a old paid charge off  on my credit report that is scheduled to drop off in early 2016. I would love to get this removed early, but not sure if it is worth it. Is it really affecting my credit score at this point? I have read in several forums that when older than 48 mos it doesnt factor much into score. Is writting a goodwill letter to the original creditor the best way to go to get it removed? If I do send one to the OC do I have to send one to the collection agency as well to have them remove it also? If I sent a gw letter could there be any negative consequences? If they dont remove it, could they update the most recent activity date, since I contacted them? I know I posted alot of questions- any help is greatly appreciated.A CO always affects your Fico the entire time its on file, the ding lessens with age once it stops monthly updating. Sometimes a creditor interprets a GW  letter as a dispute and will update the  TL brining the account status date current and it can affect the Fico score if that happens. One should avoid all references to disputes in a GW. Since this is coming off in early 2016 you may choose just to wait and ask for early exclusion 6 months out on TU and 3 months out on the other 2 CRAs. Your choice, sending PFDs, GWs or any other letter is always a calculated risk. Welcome to My Fico

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