05-13-2013 04:06 PM
05-13-2013 06:11 PM
CFLs have a small negative impact but the positive impact due to the length of history can help your FICO more. YMMV. If it is among your oldest accounts and/or older than your AAoA then I wouldn't touch it.
05-13-2013 06:54 PM
Welcome to the forums!
I'd suggest reading the following:
Credit Scoring 101 - great for knowing what is in your credit score and to see how your score is impacted.
What Steps Do I Take - great for learning the repair process.
and Example letters - PFDs, GWs, DVs, etc.
YMMV = Your Mileage MAy Vay
AAoA = Average Age of Accounts