Quote Originally Posted by BanginJimmy
As long as the debys have been paid in full those red marks dont hurt you that much. This is especially true if they were more than 2-3 years ago and you still have open accounts to show responsibility.
Not exactly true. If the account was delinquent, but paid off, it will show just that. It will still hold your score down. It will not drop, but it will make is harder to still raise it.


Take my advice, give it a try Send them a notarized letter asking to remove any negative marks. Cost no money, other that the notary fee.