We have almost the same scenario.. Charge off in 2008 and paid in 2010... I dont know how much your debt with them was, but mine was $573. My score was 663, it was a TU pull from them, AAOA was 4 years, declined due to previous account status.
Hopefully yours will be different. Im opted out, so I dont get pre-approvals. That sounds like a good thing to me though. Id try it!
In my wallet: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Store Card 1800 CL, Kay Jewelers 3000 CL
