I think I'm ready to dive in. Here's my thinking. I've got A Wells Fargo account that was charged off and is reporting as a paid charge off account paid or sold, last activity was 9/97 it was a car loan/installment loan, still debating on how to handle that one and I also have a Goodyear/cbusa NA account that I have had some dels on as recent as 6/03,01/03 and 10/02 plannaing on the goodwill letter there but what if any advice can anyone give oh yeah the goodyear account has since been paid in full.
1: forget about the Wells Fargo account, it should fall off in a year all by itself, and its effect on your FICO is much less than the other two. 2: You have nothing to lose witha Goodwill letter, especially if the account is still open for charges. It's the Nutcase letter taht slams doors shut prematurely and should only be used as a last resort.
