Thanks! I was in the 550s with all 3 just a few years back. After I started monitoring my credit, I had old items deleted.
I had one account that was EXTREMELY bad (multiple 120+ late) but only about 4 or 5 years old. I finally called them up and told them I was attempting to rebuild my credit and that I've been responsible for quite some time, and that when I opened my the account with them, I was young and made stupid mistakes, etc. They were more than happy to contact the credit bureaus and get that account off!
I encourage anyone that has something similar to this type of situation to see if their creditors will work with them. It's obviously not a guarantee, but you have absolutely nothing to lose by trying. Good luck!
