So before I knew anything about credit I got in some trouble and let all my bills go 90+. Well about a year later I got my head out of my arse paid all the CCs off and closed my accounts( I still didn't know anything). If I were to get the 90,60,30 lates deleted and ask the CC to reopen the TL would that help me or hurt me? Would it show the original open date or like today's date? Now I only know enough about credit to be dangerous Ã?
Your old closed accounts are water under the bridge. As you now realize, there was probably no advantage to closing them once you brought them current. Whether you would get better terms reopening one of these compared to a totally new account and company, you would just have to see. Are you now getting offers, and if so on what terms?
