- Centurion Member
- Posts: 725
- Joined: Mon Oct 01, 2012 11:09 pm
- Location: NJ
I think you need to get a copy of your credit reports and see what is on them. Most things stick around for 10 years so you might still have a few to go. There is a possibility that repaying it will reset the 10 year timer. So even if it is the right thing to do morally, it might not be the right thing to do financially.
There have been a few people on MyFico in a similar situation. They burn a creditor and a few years later start getting pre-qualified offers. Just remember, those letters we sent to people by a computer. You probably have the type of file they want, but if you really did burn them, they might not care to have you back.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k