icetrap06 wrote:I have one charge off from 2006 for $331 and one 120 late for a power company (have attempted to get this removed numerous times). My AAoA is 7 years and I have had 0 INQ in the past year.
they can still see inq's past a year they just dont effect score (and will fall off after 2 years)
are those scores from here?
if you pay off the balances too about 4% your score should see a nice bump.
for me at least right now i have reporting 20% from the 4 i had last month and my score tanked about 35 points. (also went from 1 card reporting too 4- and 2 of them appear maxed out)
with 7 years of aaoa though id suggest a chase freedom after you pay down your cards. and possibly add too your secured card. (if they dont pull too add a deposit)
from what i here they are good with recon once you talk to a live person.
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