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Hopefully someone can help me figure out how to take care of this account with the least additional damage to my FICO score.
This is the info as reported by TD Bank/Target
Status as of Nov, 2014 |
Date opened Jan, 2008 |
Date of last activity Feb, 2010 |
Date closed May, 2010 |
Loan type Credit Card |
Credit limit $500 |
Largest past balance $866 |
Revolving Account |
Individual Account |
Department / Variety and Other Retail |
past due balance $866 | Charged off as bad debt | $866 |
0 times |
0 times |
0 times |
Thank you in advance for your help and guidance in this matter
Settle it, its updated in late 2014 so the damage to your Fico has already been done. You are correct it will be required to report paid off in order to close on your new mortgage. Good luck