Posts: 13,761
Registered: ‎04-15-2011
Re: My Credit Repair Journal

J_S wrote:

I didn't think about PFDs. I may give it a try.


Another question: Is it better to close accounts that have blemishes on them and reopen secured cards or keep the cards with blemishes? Do the blemishes of an open account ever go away?

It actually just depends on the blemishes.  Were they just 30 or 60 day lates?  Or were they more serious?  

Starting Score: 504

July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!