Can someone help me out, I have a 1st consumer that was charged off in 96 for $276, It is still reported on my report. I wanted to pay it off as I am clearing up my report now, I called and told them so and they cannot find me in the system, I have no CC now so I then hung up and did an app over the phone, they approved me and will have my card in 7 days, does this make sense? and will they review my account and see my old one and cancel it? should I still attempt to pay off old account?
Let sleeping dogs lie No pun intended "dogman"! If it were me, I'd wait for my new card to arrive, then dispute the charged off one as "not mine". Since the CC company has no record of your previous account, you could do yourself and your credit more harm than good by trying to get them to research and find the old account so you can pay it off. (The company already took a tax write-off on that amount a long time ago.) My $0.04 (Inflation, don't ya know!)
