Course of Action for Myself!

[fishbjc]

After taking control of my finances, here's where I'm at:

BofA  Last Baddie 2/2006  

Paypal No Baddies

Kohls 6/2005 Worth a gw, or too long ago to matter?  I've closed this account

BofA Baddie 8/2006 

Sears Baddie 2/2006 Worth a gw letter?

Dillards No Baddies

Dell No Baddies

Arhaus WFNB.....would like to pay them in FULL and ask them to delete entire credit line.  Think they'll go for it?

JC Penney Baddies 8/07 & 10/07...going to try a gw

[haulingthescoreup]

How bad were your baddies? The numbers I usually see for lates are:

30-day bad hurt for 12 months, less hurt for 24, then pretty much don't count
60-day bad for 24 months, then a minor derog
90-day and above pretty much hurts for a good long time

So in terms of urgency, it's 30's within 12 months AND 60's within 24 months AND any 90's and above. Anything else is less critical.

[fishbjc]

I have one 90 day late from two years ago and the rest were all 30's.  Realistically, I'm giving myself one year to gain 100 points.