You want to keep them on if they are in good standing.. they help with age.
For other ones... you can write a GW letter to the creditor asking them to remove the derogatory information... or you can dispute any valid derogatory info with the CRAs.
Before you do this... the older and less serious the lates (or other derog) is on the account, the larger the chance that the account is actually helping you rather than hindering you. You don't want to wind up having an entire TL delete when you try to get the creditor or CRA to fix it. You have to be very careful not to inadvertantly knock your FICO down instead of up.
EQ 787 EX 781 TU 737 11/17/07
*** I am not an attorney. If I was, I might not clip coupons. If you want legal advice, consult an attorney. If you want my personal opinion, feel free to consider my posts***
(I'm in Firefox at the moment, so please copy/ paste it into your browser window.)
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit? FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007