11-05-2012 09:38 PM - edited 11-05-2012 09:39 PM
now in my wallet:
1:Unsecured Cap1 750 CL paid on time for 1 year 1/2
2:Unsecured Merrick Bank 750 CL paid on time for 1 year 1/2
3:Kay 400 CL 2 months ( never use)
4:Walmart 600 CL just Approval
5:TJ Max 300 CL just Approval
6: Secured BOA 10 K CL just opend
is this enough to rebuild my credit back?
i have couple collection and couple baddies will fall off 2013 and March 2014
another 3 are: 1 charge off 600+ and 2 collection, 1 collection from charge off. and 1 collection from Verizon 377$(PINNACLE CREDIT SERVICES) they will fall off mid 2015
i can PIF(PFD) for those 2 collection will fall off 2015.But if i want to remove charge off from my credit report. Can i send A GW letter to OC prof what i paid and ask them to remove it. does it work like that?
11-06-2012 04:13 AM
That's plenty of cards for your rebuild. Now you just need to garden them. Yes, PFD the CA and GW the OC.
11-06-2012 05:13 AM
Keep in mind Kay may close after a year of no use. I had Kay and Jared, (sister stores) and Jared got closed b/c there is no Jared around me. Just buy a token object every 6 months or so and you should be fine.