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It is a minor derog.
I doubt that it will have much impact.
I agree.
In my wallet: Capital One (secured) 1917; Quicksilver 5000; Venture 15,000; Barclay Apple Rewards 2000; CareCredit 3300; Bank of America Platinum Visa 2000; Bank of America Travel Rewards 3500; Bank of America Travel Rewards 3500; Amazon Store Card 5000; Discover 10,000. Total Credit: 51,217.
6/13-FICO: EQ - 764; TU - 717; EX - 681; GOAL: 780 across the board. Gardening until further notice.
How recent is "recent"?