Allen, If you have some accounts that are chargedoff or, with a collection agency, I don't think you want that sort of info on your report. Talk about leaving a trail of breadcrumbs to your front door!
oh hehe nope never had anything bad on my report except 2 late pays from 1997 i just owe a lot but make the payments every month i just had heard that having the correct employer got you more score points??