My opinion: Assuming no other accounts or loans, the only thing that can really help your chances at this point is time. At this point your credit history is so thin, CCCs can't accurately predict how you'll treat any credit they extend to you.
My advice: As MJ said, work on getting your baddies paid and removed from your credit report as a distraction while your current CL ages. I would give *at least* a year (as in having the card a year) on your current card, as painful as that may be, to give future CCCs a history from which to judge your credit-worthiness.
@mmunsee wrote:
$2,968
July, 2010
$562.00
Jan, 2010
I assume unpaid correct me if I'm wrong tho?
I would work on those offering PFD if you can even get rid of one it would be great. Start with the $562
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@Tsuyoi wrote:My opinion: Assuming no other accounts or loans, the only thing that can really help your chances at this point is time. At this point your credit history is so thin, CCCs can't accurately predict how you'll treat any credit they extend to you.
My advice: As MJ said, work on getting your baddies paid and removed from your credit report as a distraction while your current CL ages. I would give *at least* a year (as in having the card a year) on your current card, as painful as that may be, to give future CCCs a history from which to judge your credit-worthiness.
I will have to do this, and just wait 
@myjourney wrote:
@mmunsee wrote:
$2,968
July, 2010
$562.00
Jan, 2010I assume unpaid correct me if I'm wrong tho?
I would work on those offering PFD if you can even get rid of one it would be great. Start with the $562
Forum trick (quoting)
Under the message you wish to respond to:
Click reply
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Yeah, Both are unpaid. Someone was telling me I can call the collections people and try to get them to settle for a smaller amount?