Can you get a mortgage with that $15,000 charge off still open? I imagine you would at least have to pay it at closing. I just can't see that left open.
At this point my credit report has been gone over already. Maybe it will be a requirement to close, but I haven't heard anything yet. I have a letter from NFCU to settle for $4500 and $1200 for Kohls. I actually do plan to settle both after closing, but I wouldn't mind doing it before.