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I had a Target card I opened back in 2006, then I was late from late 2007 and once it was charged off in Jan of 2008 I paid it in full. It is still on my reports obviously, but wanted to know if any one had any experience of Target forgiving and if so how soon after a charge off? I always am shopping at Target and with the new incentives was playing with the notion of possibly re-opening it. I did not want another inquiry for now, just throwing it out there. If any one has any input thanks!
You send them a GW letter, emphasizing your prompt payment of the CO, and your cointinued business with them in the future.
Make them want to keep you as a customer.
That is there incentive for GW deletion.