Since you had some success with discover. I have some questions for you. I am in a similar situtation in which I had a lot of late payments with Discover. However, I closed the account myself. My question is did you close the account or did they close it? I would like to reopen it again, but I am thinking that since I closed it, I would have a better chance at reopening it. Its well under the limit now and i have been making payments on time for over 1 year. Thanks.
