Hi everyone...not very happy that National Credit Adjusters called me at work regarding an old Bank First charged off account. Here is my question...this account charged off in 2001 when I was on disability and my husband was laid off. The Bank First account has since dropped off but is still listed under NCA. The DOLA for NCA is 07/2001 which is coming up on the 7 year mark here real soon. Do you think they are getting desperate because they know they cannot report it after the seven years? Did I do bad by talking to them on the phone? No payment arrangements were made although he was really pushy..should I just wait out the next 2 months? I am really trying to build my credit score back up. Currently in the mid 500's. Any advice would be appreciated..
Thanks
Starting Score: TU-581 EQ-446