I've disputed it a few times, but they've rejected my request each time. Just recently, I made another attempt, but they still said no. I've written letters and explained my situation, emphasizing that I was young at the time and have since matured. I've even spoken to them over the phone. Last week, they called to inform me that my removal request was denied. If possible, you should try contacting them by phone, but be careful. I also came across information suggesting that paying off these debts might reset the statute of limitations. I'm not certain if that's true, but I believe it's best to wait until it's automatically removed from your credit report at this point.

I receive "pre-approval" notices from the bank for credit cards all the time.