Well as soon as I get my current utilization under control which would be no balances on those two evil cards (credit one and first premier) and under 10% on my Barclay I am planning to tackle those two Charge Offs with my primary focus being on Amex as I want back in with them at some point in time and Ill pay off my Macys too.
Should I wait for both of those to drop off before I call them and pay them off? 
@Anonymous wrote:Well as soon as I get my current utilization under control which would be no balances on those two evil cards (credit one and first premier) and under 10% on my Barclay I am planning to tackle those two Charge Offs with my primary focus being on Amex as I want back in with them at some point in time and Ill pay off my Macys too.
Should I wait for both of those to drop off before I call them and pay them off?
That would give you more negotiating power.
@Anonymous wrote:
@Anonymous wrote:Well as soon as I get my current utilization under control which would be no balances on those two evil cards (credit one and first premier) and under 10% on my Barclay I am planning to tackle those two Charge Offs with my primary focus being on Amex as I want back in with them at some point in time and Ill pay off my Macys too.
Should I wait for both of those to drop off before I call them and pay them off?
That would give you more negotiating power.
Thanks NormanFH! I dont think I will negotiate with Amex. Im sure in order to get another card with them I will probably have to pay in full unless I luckily slip thorugh the cracks like some people have. Im not in a huge rush as the fall off date is soon and Im still paying down stuff to get my current utilization under control! 
@Momof5 wrote:If your baddies are set to drop off in the last quarter, I would ask TU for an early exclusion in June and ask EQ and EX in August.
Should I try to ask for early exclusions for those two badies as they are unpaid charge offs? I just dont want them to stir the pot. Would it even stir the pot by asking? I mean it would be nice to get that stuff off earlier than normal but Id hate to have one of crediors decide to update LOL. 
@Anonymous wrote:
@Momof5 wrote:If your baddies are set to drop off in the last quarter, I would ask TU for an early exclusion in June and ask EQ and EX in August.
Should I try to ask for early exclusions for those two badies as they are unpaid charge offs? I just dont want them to stir the pot. Would it even stir the pot by asking? I mean it would be nice to get that stuff off earlier than normal but Id hate to have one of crediors decide to update LOL.
The creditor has no say in an early exclusion its the CRAs job to do it at the proper time. You are asking the CRAs for a goodwill jesture when you ask them to remove the TL early.
@Momof5 wrote:If your baddies are set to drop off in the last quarter, I would ask TU for an early exclusion in June and ask EQ and EX in August.
I have seen the b term "early exclusion"lately. How does this happen. I have an old mortgage accountil which we did a short sale. On tu and eq, it has been removed but exp says it is schedule for august. Is there any way to get that done now