@Anonymous wrote:Not much of an expert on all the bigger lates & others. But if they are all about 2 yrs old, I say pay them all! It will most definitely look better on your report when applying for new credit. Might even raise your score a bit. Others that will fall off in a year, I say leave alone. Just not worth it.
What others that will fall off in a year?
All my lates are from 2012-2013
IMO, anyting less than a year old, the heck with unless you're going for a mtg. Then it's up to what they want. It will look much better to show all of them PIF. They know you're serious about your credit. 
@Pway wrote:Call and try to recon the 7-10 day message. Give it a shot and see. You took the HP for it already.
Yeah looking for the number now then going to call, can't hurt me any more at this point
Does anyone have the 24/7 Barclay recon number? I tried one number and says they're currently closed..
Ya, I called the Credit Analyst already, I heard the underwriter line might be useful?
Application was denied.
Tried a recon, but they said I don't have an established enough credit card history.
They were okay with the chargeoff as I explained myself.
Was very honest, they loved the honesty when explaining my chargeoff.
They also said it was from 2012, which checking my reports I just purchased two nights ago from myFICO, it wasn't in CO status until late 2013.. Maybe they meant when I opened the account?
Asked, and they said the only reason was because my CapOne cards (only current cards I have) are only 2 months and 7 months old.
I asked how long would be expected for an approved applicant, and they said no specific amount of time, just as long as I feel is ready (aka not enough yet).
I also have ~10 months of employment in my profession. They said they typically like to see 3 years at least, but they were able to look past that.
Asked a lot of questions about prior employment, my education, etc.
The woman was very nice. Very helpful, friendly, and gave me a good image of Barclays (still).
I called the underwriter's 24/7 line.
Don't think I'll reapply for Barclays at all as I think when I'll be out of the garden again I'll want to apply for much better cards.
I probably won't leave the garden until both my CO and collection are paid, and I'm sitting over 700's across the board (or, at least 690).