begging for help

[Anonymous]

I posted this and did not get a respond and I'm in the need of much help. I loss 25 points b/c this account is now showing a new "close date", fico views this as a miss payment. I'm closing on a house and need to get these points back fast. Whats the best way to neogate with Applied Bank, if they won't PFD should I try for a "pay in full"? 

Applied Bank           Charged off as bad debt    Bal:$732

status as of - Feb 2009

Date opened-  Jan 2005

Date of last activity- Not reported

Date paid out- Not reported

Date Closed-  May 2005   this is where the score drop happen... its now reporting close APRIL 2009

Credit limit- $500

past due-  $732

profit &loss wrteoff

[Scamp]

myatuck, I'm locking this duplicate post and asking our members to respond to your original thread here.

Please be a bit patient in waiting for a response, and please do not post the same question twice or on different boards, as this only creates confusion for the members who do try to respond to you.