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uktaurusbulba wrote:
I have a discover card from 3/95 that was never late until I joined the dmp and payments were messed up. I now have a 30 late from 02/08, and 60 days in 03/08 and 04/08. Do you think a pfd is a better idea than goodwilling? Or should I simply let the accounts age? My concerns are getting financing for my business. I heard lenders will not lend to anyone with 60+ lates on there reports period. If this is the case, Id have to wait like 7 years to get a business loan, which is not a good option. My score for equifax right now is 550. It says that if I pay down 90% of my balances over a 24 month period, my scores will be between 700-740. Thats fine as long as these lates arent held against me.