"Baddies"...dumb question

[Anonymous]

OK, I know everyone counts their "baddies" in here, and I'm just curious...do you count an individual account as one "baddie", even though it may have, say, 5 late payments on it?

Or, do you count each individual late payment, collection account, etc. as one baddie each?

Just curious as I have about 50+ past late payments (some inaccurate, some accurate) that I am disputing and I really don't want to say I have "50+ baddies" on my account, it would sound better to say, for example "15 baddies" since I am trying to wipe them out!!

Just wondering!

[Anonymous]

I count all "Serious delinquencies" as baddies.
So anything worse than a 30 day late.

So on EX I have 2 Baddies - (this also 2 different TL's)
And another 6 30 day lates.

Some might say this is 8 baddies. As in anything negative on the CR's.

[Anonymous]

OK, ummm, yeah...think I'll wait awhile before I start counting!!!!  Thanks :0

[Anonymous]

I think each individual late pay counts as a baddie since it's a ding against your score and you have to get them each removed or aged off.  But for the purposes of your letter, why not say "numerous" or "many" or "a lot of" or "multiple" instead of giving a number?