Way back in 2014, I had a vehicle loan from NFCU go delinquent. I was underemployed after getting out of the Navy, unable to make the monthly payments, and the vehicle was eventually repo'd, charged off, and sent to collections. It has since aged off my credit report.
I'm in a much better position financially these days and I'd like to eventually use NFCU's products again. I recently found an old credit report from 2019 and saw I owed $7,763 at the time. I'm wondering if they'd want me to make them whole before doing so. Is that the case or is their memory not that long?
