Just want to make sure I understand this correctly.
In order to get the biggest boost in scores, I should take care of (PFD) the newest derogs on my CRA report, then the next newest, etc.
I am in the process of trying to get 2 accounts in a current situation where all I have to make is the monthly payments.
I should get those 2 open accounts current and then attack the derogs as I stated above. Also, can I PFD a OC? This is what it says on my credit report:
Condition: Derogatory Balance: $298
Type: Charge account
Pay Status: Collection/Chargeoff
It still shows a balance and acct was open less than a year. This was with Target. Anyone have any luck PFDing Target?
Thanks.