I will be having to go through MRPT Suitability for a permanent full-time law enforcement position. I have good unbroken employment history, no drug history, no criminal history, no traffic citations, only moved once within the residential scope and have excellent personal/employment references.
But… I have one old unpaid CC charge off of approximately $4k that has since fallen off my entire credit report earlier this year. Aside from that, I have no collections and my FICO (actual FICO) is a little over 680. I have a total credit limit of approximately $34k with under 1% utilization.
I am disclosing the charge off even though it is not on my credit report. What are the chances of me being denied a MRPT based off of this information? From everything I read here about finances, this one charge off makes me a little nervous. Or am I overreacting?