I have about 9 accounts that were charged off back in 1996 (divorce). ALL of these CO accounts have been paid in full. They are not scheduled to drop off my credit report until 2003. I guess by 2004 I will have a nice clean credit report. Meanwhile, I would like to have some of these charge-offs deleted. I would like to try and purchase a house. I've tried neg with creditors but have so unsuccessfully. Should I just wait until they drop off, or should I use Junum? I hear so much about these people and I was wondering if it's worth my while....and money? Thanks.
Here's a new idea I just had. What if they get 6 of them deleted but can't make any progress on 3 of them? Could you still feel satisfied with only partial improvement? Or are you counting on total removal of all negatives to make it worth your while?
