I was thinking 4-5 years. Just looking for hope. I worked hard for him for over a year. One more year and he could get a mortgage and prime cards. He let it go to charge off because he was angry at the CC company. Lates happen. Charge offs don't just happen. I can't keep helping him when things like this happen. I'm trying to GW the charge off. If no luck, he will have to wait it out. Maybe in 7 years he will take it more seriously because that is how long it will be there.
CreditBob wrote: Do not be suprised if it takes you at least 2-4 years.
You can help me anytime you want Pizza and I'll listen
Timothy, That is amazing! I have just lates (5 months ago) and 1 paid collection that I just got removed. I was at 533 in july and now I am at 635. You give me hope! Thanks!
Timothy wrote:As you know Mr PizzaI went from 480 to 700+ in a year-However- I did had a fairly solid profile to start with-just lates and collections-It is very tough to get over 630-650 with any CA'sRecent CA's make it even harder-You can only dilute negative information so much-