Well... my CR is now showing that I only got 1 CO ... I have removed 1 CO from my CR about 7months before it would drop off from ALL 3 REPORTS NOW 
... heh better then having to wait.
... heh better then having to wait.My latest CO and ONLY CO is from 2004, which is making it very hard in getting a CC because it CO in 2004/4 but they have reported account LATE 120days x20 (months) till 2007/8 (when CA paided OC)... I'm trying to dispute this and hopefully get to report only CO and not CO+20 120days late.. wierd is only EQ reporting those lates and EX only reporting 1 from 2004... lol EQ hates me ;(
is from 2004, which is making it very hard in getting a CC because it CO in 2004/4 but they have reported account LATE 120days x20 (months) till 2007/8 (when CA paided OC)... I'm trying to dispute this and hopefully get to report only CO and not CO+20 120days late.. wierd is only EQ reporting those lates and EX only reporting 1 from 2004... lol EQ hates me ;(Do you think in 2009/8 those lates will have little less effect on me??? Also next year if I get denied CC... I should be able to explain the CO and Lates only from 1 account and maybe they have pitty on me.. lol
You only show 1 CO & they won't give you a card?? That doesn't seem right...
Oh, BTW....EQ hates everybody! From what I've seen, they consistantly give people lower scores. Maybe it's because most (potential) creditors use them to check ya. Which, in turn, gives you more inq & lower score. 
Mo
If you don't need a cc right now...let it go for awhile. You'll end up with a better rate too. I know several years ago mine was a mess. 2 fairly large collections ...I was bummin! I called both & set up payments & 3 years later...just playing the waiting game for mine to drop off too!
Congrats on those that did go away! It's a great feeling, seeing those gone...right up there with getting a raise!
now im just working on my CA which I got double post and 1 CA that dont own and 1 i sent PFD... so if everything work out then maybe some of my CR will either have 1 CA or 0 CA.. but in dec/2008 the one with double should drop auto... and the pfd one drop in 2/2009 so hopefully they take payment
other then that ill be clean ;p except for 1 CO
Message Edited by antsmith101 on 05-01-2008 10:45 AM
On myFICO and also TrueCredit are both reporting it with late but what confuse me is TU and EX are saying ChargeOFF (CO) but on EQ it is reporting as Collection/ 120days past due.
EQ:
4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3
2006 2007 2008 Legend: Currently paid as agreed 
120 days late
120 days lateEX:
Paid account/was a collection account, insurance claim or government claim or was terminated for default
Recent payment history [?]
8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 2005 2006 2007 Legend: 
Unknown 
Currently paid as agreed 
Collection
This what reported on EQ and EX... TU has same as EX but earlier Collection date from 2004
Message Edited by antsmith101 on 05-01-2008 11:05 AM
Message Edited by antsmith101 on 05-01-2008 11:06 AM