Question about credit report fall off
Hello!
I made some bad decisions with credit cards a while back. Old capital one credit card. I believe my last payment was on 10/18/2019. Capital One charged it off and sent it to Midland Credit Management.
Midland did try to serve me, but I live in a state where the process server has to physically hand me the papers. Fortunately, he never found me and the case was tossed out! I still get letters from Midland, but they say “because of the age of your debt, we won’t sue you for it”
My question, when should I reach out to the 3 credit bureaus to request that this be removed from my credit report? It’s really the only negative mark on my credit report. Appreciate any and all help/advice!! Would really like to have a rocking credit score soon!!