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About 7 or 8 years ago, I stopped paying on an overdraft account from a bank I (still) have a checking account with.


When this overdraft account became delinquent, it was closed, sent to collections and dropped off my online account access.


I was able to get this off my CR last year. 


Fast forward a couple of months ago, my bank updated to a new online system and lo and behold this account showed up. 


So my question is What do I do now? They are not reporting it on my credit report. But if I start paying on it, the time will restart correct? Do I just leave it as is and if it gets reported to my CR dispute that it is a zombie debt?



Please help

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