Guiness is right ... but how many co/cas did you have and how recent were your delinquencies??
You have to be a little more open about what's going on. Your not giving us enough information. You basically listed two accounts in good standing but your not telling us nowhere near the full picture. Good always dilute the bad to some extent... i mean it doesn't work miracles. If you have alot of accounts listed negative even though they are closed they are gonna stay there 7 years from either the day of first delinquency ( srry regulars i felt i had to spell that out) or court judgement or forclosure or ten years from bankruptsy. Sounds like you haven't bought a house yet so foreclosure is out of the question.
All I'm saying is that closed accounts don't just drop off your report the minute ya close whether they are in good standing (and you don't want them to) or in bad standing (and you do want them to). Infact good account dont drop off until atleast ten years. It sounds like you got a few bad accounts which you recently paid off and expected them to stop reporting cuz they're closed... their done and your done with them. I used to think this too but unfortunately that's not the case.
Get a copy of your report at annualcreditreport.com. So you can list your accounts, no account numbers just name the original creditors, collection agencies and the like and you'll find ppl on here that had experience with them. Start sending gw letters.
Another thing ppl always talk about paying their cc's on time. However if your using 80% of the limit and only paying the minimum that doesn't mean a gosh darn thing... hope that's not you.
