It is outside of SOL (over a year since that passed) and set to fall report in a couple months. The CA that owns it now (which is set to fall off Dec) has never attempted to collect *knock on wood*. Its the only one I havent pd in full after charge off, settled, etc. from my 2006-2007 rough patch.
My question is, even after its off reports I realize mortgage lenders can pull a more in depth report and see it was there once. If its outside SOL and no-longer at risk of being sued, can a lender still require me to pay it first? If so am I better to do that now? Settle for like 20-30% and be done with it? We are looking to mortgage shop early 2013.
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