BADDIES

[CREDIT4BIZ]

THIS IS A GENERAL QUESTION ANYBODY PLEASE INPUT. WHEN ON THESE FORUMS IN REFERENCE TO "BADDIES" ARE THESE NEW DEROG ACCOUNTS WHITIN A CERTAIN TIME FRAME OR ANY DEROG ACCOUNTS PERIOD ON YOUR CF. THANKS

[Junejer]

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@CREDIT4BIZ wrote:

THIS IS A GENERAL QUESTION ANYBODY PLEASE INPUT. WHEN ON THESE FORUMS IN REFERENCE TO "BADDIES" ARE THESE NEW DEROG ACCOUNTS WHITIN A CERTAIN TIME FRAME OR ANY DEROG ACCOUNTS PERIOD ON YOUR CF. THANKS

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Any derog is considered a baddie.

[CREDIT4BIZ]

S#@T I WAS AFRAID OF THAT. BUT IS THERE A CERTAIN TIME FRAME WHEN YOUR NOT DINGED AS MUCH

[Junejer]

What are your baddies?

[Anonymous]

Depends on what the baddie is:

late payments hurt less after 2 years (for a 30 day) 60 & 90 can hurt considerably longer.

Collections - as long as they are on the reprot paid or unpaid (they do hurt a little less with time but not much)

Public records - not sure (and I have one that I want off) - probably costing me 70 points or so - maybe more.

[CREDIT4BIZ]

BYRDMAN, I HAVE SEVERAL COLLECTIONS 5 ALL PAID TWO LATES 1 PAID PUBLIC RECORD

[Junejer]

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@CREDIT4BIZ wrote:

BYRDMAN, I HAVE SEVERAL COLLECTIONS 5 ALL PAID TWO LATES 1 PAID PUBLIC RECORD

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See Lady Scarlet's post above. Unfortunately, those will sting for awhile. Try some GW letters for the CAs.

[CREDIT4BIZ]

THANKS LADY SCARLET AND BYRDMAN. I NEED TO GET TO WORK