Your advice about history versus delinquencies, please!

[GFer]

Ok. Newbie here.

I have a (closed by credit grantor) GEMB/JCP card that has 6 delinquencies.

AUG 06 30

SEP 06 60

OCT 06 90

NOV 06 120

FEB 07 30

APR 07 30

I've written a gw letter, but honestly don't feel hopeful about this. (One of my 1st gw's).

This account is 13 years old.

Would I be better off asking them to delete this account completely???

[Junejer]

This is a tough call. (a) it's a GW either way you look at it. (b) for them to delete the baddies, you will obviously get the point increase. (c) that 120 is 18 months old, so it's still hurting you pretty badly, I would think. (d) if your avg age is less than 13 yrs., then you are going to lose history points. Try the score estimator to see what it has to say.

Make sure you only enter information from one CRA at a time on the estimator.

http://www.myfico.com/FICOCreditScoreEstimator/Default.aspx