A few years ago I had been banking with Citibank and had a small line of credit ($300) associated with the checking account. Well I lost my job and ending moved and forgot to close the account. Fast forward a few years later, the checking account is closed but the line of credit is showing up as a collection/derogetory account. According to myfico its not in collections but late. The account has been closed since 2013 but still reports late every month. Its a very minimal amount of money and I have no problem paying it off but would that reset the clock another 7 years. Any advice would be greatly appreciated
