Just wanted to get your opinion on something I just did. I had a Credit One Bank card with a $1200 CL that was closed in 11/18 after being 120+ past due. I paid in full in early January and sent a few GW letters to them but they would not remove anything. I just received an email stating I could reinstate the account with the most recent CL ($1200) if I wanted. Well I went ahead and did it figuring it would help with my AAoA as well as credit utilization. What do you think? Thanks for the advice!
Its not the best card. But! If they reinstated you and say a year later you have no lates you could try and ask to have the 120 day late removed. Never heard of reinstatement. But if its there, grab it. That 120 late is at least 100 points against you now or more. It may be your only chance to get it removed by using the card and dont be late again. But YMMV.