Does any one know how long before the status goes from "bad" payment history to "not bad" payment history to "good" payment history. My TU payment history went from "bad" to "not bad" with the last score increase. I have 3 good tradelines never late and 2 chargeoffs due to come off very quickly. My EQ went from "not bad" to "bad" similar info and 3 chargeoffs and a collection reporting as 120 late. The collection is 2.5 years old and I negotiated a PFD settlement. The chargeoffs are going to be gone very quickly. The good accounts I have are Chrysler Financial 5 months - new - great payment history, Geico Credit Card - 4 months - new - great payment history. Chase - 6 years - AU account - great payment history.