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Can someone help me with a derogatory/charge off from 2008?
I just checked my credit report and it shows that I have a 2400 debt from 2008 but it was closed of in 2015 from capital one but it's still on my record. The reason I'm asking is because I have what's considered new credit about one year. I recently got a work permit Ssn drivers lic etc. I started with a secured card from US bank, Wells Fargo and was approved for 300$ unsecured capital card and a couple of other unsecured high interest cards. I never had the previous card from capital one because I didn't have a Ssn to even apply for. The name is similar to mine and it also shows my address. why would cap one even approve me if they thought they had a debt with me? Would it be possible to remove this charge off of my record it shows its been seven years but it also shows that my credit history is over 7 years. Please help thank you

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