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CC Charge off, First Premier is this ok?


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The credit card was a first premier and they show it being closed by me and having a 399 balance. DATE OPENED 2001 DATE REPORTED 2003. Amount past due 140.00

Should I make a offer of settlement?

Should I ask If I can reopen and bring current?

Should I do nothing?

What impact would this have on my credit score?

Thanks in advance for any info anyone can give.

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