dallas01 Posted April 11, 2007 Report Share Posted April 11, 2007 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 140.00Should 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. Link to comment Share on other sites More sharing options...
chilton1 Posted April 11, 2007 Report Share Posted April 11, 2007 Does FP still have the acount? I would ask for a PFD and get it off my report.No, i would not try to reopen that account the fees are too high (only if you have no other options). Link to comment Share on other sites More sharing options...
dallas01 Posted April 11, 2007 Author Report Share Posted April 11, 2007 Does FP still have the acount? I would ask for a PFD and get it off my report.No, i would not try to reopen that account the fees are too high (only if you have no other options).If I call and talk with them does that reset my 7 years? Link to comment Share on other sites More sharing options...
chilton1 Posted April 11, 2007 Report Share Posted April 11, 2007 No. But try to get it in writing that they will delete if you pay the balance.Has the SOL passed? What month in 2003 did you send the last payment? Link to comment Share on other sites More sharing options...
dallas01 Posted April 11, 2007 Author Report Share Posted April 11, 2007 on the credit report it shows blank for date of last payment and first delinquency. The date reported is 3/2003. Yes they still have the debt. Link to comment Share on other sites More sharing options...
Recommended Posts