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CO = Charge Off.
What are the DoFD of each of these?
Was the one from 2004 CO then or at a later date?
DoFD for the 2004 is Nov 2006
DoFD for the 2008 not sure, but one of the CR states "acct sched to continue on record until Oct 2017"
Nov 2006 it will be excluded from your CR around Nov 2013.
Oct 2017 would make the DoFD around Oct 2010.
You can try a PFD with the OCs.
Thanks, I think that's my only option if I want to be a homeowner this year.