If these are paid OC accounts, then the only thing she can do is send GW letters or wait out the 7 yrs. She'll likely benefit by adding 1-2 more CCs (esp. if she adds a store charge card). I wouldn't try for the card unless I tackled those lates first, though.
I'm trying to help a friend 'rebuild' her credit.
There are 6 accounts with status as 'closed' with payment status listed as either "Paid" (with 30-150 days pas due) or "Current" (with 60-120 days past due). Date opened ranges from 2002-2004.
Besides keeping her one credit card at a 10% usage range, do you have any recommendations on the best way to rebuild her credit? Is there anything that she should do with those closed accounts?
Thanks, in advance, for your thoughts.
WhatzUrPlan wrote:llecs, wouldn't a CJ account help her?
But for every opponent to CJ out there, there are 5 more proponents.
WhatzUrPlan wrote:I knew you'd have a great answer for that ~ thank you!