Original creditors charge offs

AspiringDink1991 · ‎01-14-2021

I have finally managed to get all of my collections off of my reports.

but I feel like the original accounts (charged off in 2016) are drastically dragging my scores down.

any advice? How would I get the original to report good instead of bad.

also one of my old accounts is a Capital One card, I just got approved for an New Capital One Card, will the old one still report?

1-19 scores

1-20 scores

11-20 scores

1-21 scores

11-18 MyJewelersClub $5k CL
1-19 Discover $1k
1-19 Commenity $300 unsecured, CLI to $620 1-20
8-19 NFCU $500 secured graduated to non secured with limit of $4,500
8-19 NFCU SSL $3k paid down to $233
2-20 NFCU Cash Rewards $15k
5-20 Honda $46k @2.9%
1-21 PayPal Credit SL $3.5k
1-21 CapOne Platinum SL$ 3k
Cant believe it's been 2 years now, these recoveries are so slow its torturous!

OmarGB9 · ‎01-14-2021

The only way to get a CO removed is via GW removal. And if they refuse to do GW removal, they also won't change it from CO to a positive account. And yes, even if you get a new Capital One account, the old charged off one will still report since they're 2 different accounts.

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:

Current FICO 8 scores:

mycreditscoreisfair · ‎01-14-2021

Yup, minus getting lucky hitting the goodwill lottery, there's not much you can do but wait until it falls off.

Starting score (January 2020): 454 (TU)
First goal (December 2020): 580 (TU)
Second goal (August 2021): 670 (TU)
Current scores: 679 (TU), 665 (EQ), 658 (EX)
Current goal: All three bureaus over 670

Declined credit cards: First Premier Bank, Verve, Self, Credit One, Today