You have to send the same dispute letter to each of the bureaus that identifies the entries you are disputing and why you are disputing it.When 6 months have gone by without a payment, the account is then sent to collections. Some companies wait a little longer than that, but 6 months is the normal time frame. Sending an account to collections is the creditor's last hope for recovering their money.
The records are probably in storage somewhere. If that is the case there is a very good chance they do not want to waste any more time or money with your account. If that is the case they will not respond to the credit bureaus request, and the credit bureau will have to remove the entry from your credit report.
Sometimes the account is sold off to collections companies for pennies on the dollar. Usually if the account is still maintained by the original creditor and they have contracted with a collections company to recover the money, they are paying the company a percentage of what is recovered.
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