Barclay, Discover and Amex like clean thin files, so some ppl have gotten those early in their building.
Otherwise, Bank of America secured and Discover secured both graduate.
@stellar wrote:Barclay, Discover and Amex like clean thin files, so some ppl have gotten those early in their building.
Otherwise, Bank of America secured and Discover secured both graduate.
With a minimun 6 month history, a year is probably even better. I already made the mistake of confusing fair credit score to mean just that, They want a thin file showing history 
Discover & Barclay, can't speak forAmex. Came out of the garden & trampled my seedling 
all for not
Doing nothing until July is really hard to do.
Guess I will continue working on getting the charge-off accounts to report a $0 balance. Seems to be easier said than done. 
@AutoBot wrote:Guess I will continue working on getting the charge-off accounts to report a $0 balance. Seems to be easier said than done.
Know it seems daunting, but it can be done. How many charge offs do you have left? If they are all out of the Statute of Limitations work on paying off the smallest first. As they stop updating then you will see a small change in score until they are all taken care of and no longer updating. PFD is the best, but I have one with Midland and they won't budge, so I'm stuck, but I'll just keeping plugging along until the day comes that it is gone.
@Anonymous wrote:
@AutoBot wrote:Guess I will continue working on getting the charge-off accounts to report a $0 balance. Seems to be easier said than done.
Know it seems daunting, but it can be done. How many charge offs do you have left? If they are all out of the Statute of Limitations work on paying off the smallest first. As they stop updating then you will see a small change in score until they are all taken care of and no longer updating. PFD is the best, but I have one with Midland and they won't budge, so I'm stuck, but I'll just keeping plugging along until the day comes that it is gone.
I have a KOHLS/CAPONE and 2 SYNCHRONY (amazon/walmart) charge off accounts. All of them are well out of SOL.
I haven't talked to KOHLS yet.
SYNCHRONY sent me a 1099-C for both accounts this year. I asked if they planned on changing the balance to $0 on both accounts since I paid taxes on both. Their response is below....
Please accept this letter as written confirmation; Synchrony Bank is no longer reporting the above mentioned accounts. Please allow up to 60 days for these updates to be reflected within your personal credit reports. Please reatin this letter for future reference.
As reqired by the statue of limitations, Synchrony Bank is no longer persuing collection activity on these accounts. The statute of limitations does not change our obligation to accurately report account history. We last reported the Amazon account on <date> for the amount <$$$$> and reported the Walmart account on <date> for the amount <$$$$>. As the accounts have been reported accurately, your request to alter the reporting of the accounts is respectively declined.