Better to be the best of the worst I suppose.  And I agree.  Right now my recent minor derogs are probably holding my score back much further than the charge off from 6 years ago.  2 30 days < 1 year, 2 30 days < 2 years.

I just wish I could see my true EX, since it is major derog free.

Current: EQ FICO 664, TU FICO 683, EX FICO 698 | Starting Score: 525 (05/2012) Starting total revolving credit: $1100 | Current total revolving credit: $7000 Inquiries (12 Months): EQ 3 TU 2 EX 2 | Most Recent: 1/8/2013

2013 Goals: New Car 700 Club AMEX Member

AMEX Gold NPSL DCU Visa $2000 Cap1 Cash Rewards $2000 BOA Platinum $600 WalMart $800