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I had an overdrawn bank account with Justice Federal Credit Union. On my report it shows charge off and last activity was 4 years ago. Should I attempt to pay for delete or just leave it alone? The weird thing is it shows under revolving accounts on my report but I know for a fact that it was an old checking account.
A charge-of is a major derog, and is definately worth pursuing its deletion.
You can attempt a pay for deletion.