Quote Originally Posted by BanginJimmy
being in basic puts you under the protection of the soldiers and sailors act. Talk with the credit companies and explain the situation. If you have the cash now, pay the debts off in their entirity in exchange for having the deliquencies removed.
Credit card companies do not bargain, they loaned you the credit so they are going to laugh when you offer to pay them back money they loaned you in exchange for delinquency removal.

Working for a bank,i know this will not work. The reason for that is there MUST be paperwork sent in prior to military orders, its in the arbitration provision and terms and agreement. Delinquencies are bad, but thats not really what hurts the credit so much.

I would recommend this, because THIS is what really hurts your credit.

Do the card had high balances, or are they over the limit? if so PAY THEM DOWN TO LESS THAN 25% of credit line. Having high balances or over the limit accounts will guarantee you denial for any sort of credit, it makes you look horribly financially unstable.

Time, give it about 3-5 months of on time payments but DO NOT let the balance be greater than 25% of the credit line.