I don't know why I didn't find out about PFB sooner. I emailed Capital One on Thursday (I had a PAID charge off from 3 years ago) I gave them this sob story of how I was young and didn't know how credit would affect me blah blah blah. Well they couldn't remove the R9 but he agreed to put it to R5 which he said is a lot better. So in the past two days I got Ford to remove the late pays and then this. WOO HOO. KHM<~~refuses to do any kind of happy dance
I asked them to re-open but he was more concerned with having the R9 removed I wasn't going to push my luck KHM