thank you for the advice. here is a little back ground to give a better outlook. filed chapter 7 bk in 2012 after my son passed.
current trade lines are as follows
cap one platinum 500 limit 236 balance turns a year old in july never late
cap one quick silver 300 limit 95 balance turns year old in july never late
credit one platinum 400 limit 0 balance turns year old in august never late
kay jewlers 500 limit 0 balance turns year old in july never late
ford motor credit started 32k now 29k with 1.9% turns year old in july never late
furniture installemnt loan 5k limit now 4k balance never late got in feb
student loans 17k in deferment until discharge has 17 missed payments with navient ( they have to at least fix one of the 180 day late)
now for the baddies:
filed chapter 7 bk august 2012
have 2 collections left one was included in bk other wont pay for delete
have been successful to pfd 3 collections
17 180 day lates with navient from nov/dec 2015, and all of 2014 (didnt know they were out of forbearance)
western shamrock 90 day late from 2011 (guy is trying to get this tl completely deleted they are very nice)
sun loan charge off in 2013 of 354 dollars but has been paid in full and hasnt updated yet (dont know if that will help score)
great lakes student loan has a 90 day late from 2013 for november but says ok payment for the months prior? dont understand that one
two collections are
fox collection for medical amount is 0 chapter 7 bk
pennyrile utilities from 2011 included in bk but said if i pay in full they will delete? will that help scores?
and the dreaded cach for 695 in 2015 that was from 2013 and just hit in may( they wont pfd)
everything else to include mutiple old car loans installemt and creditcard with chase in past were all paid perfect and never late.
when will my current accounts be considered not new anymore? they all turn a year old in july/august
