direred

The CPAP machine is the most likely to work at the lowest cost with lowest risk of complications. I've been on one for about 8 years.

I used this interest calculator. For $640, 3 years, compounded 365x/year at 5% = 743.57. At 9%, 838.35. HTH.

It does backdate. Yay for some good things in life.

There is a calculation for this, but it's not in my list of spreadsheet formulas. Essentailly, over the course of 3 years, you were charged 50% in interest, so as a first approximation, it looks like you were charged an illegal rate for your state.

Are the chargeoffs and collections paid or unpaid?

Honestly, in the current credit climate, I wouldn't be closing cards after a CLD -- it only means that that CL will be the last reporting CL for that card EVER. When things get better, the CLIs will come again. This cycle happened before in 2001-2004.

Honestly, Seamiles is a bad card, so I wouldn't worry about that one too much. It took me several tries to get approved by Juniper, but that was two years ago. Now that the credit climate is different, who knows?

Oh, I had a baddie the month before I started. That one's gone, fortunately. So I'd be stuck with three more years. I don't think the work was in vain, though, because it's helped me see how hard it is to fix and is a huge disincentive to get into that bind again.

Lates from 2002 are.

5 lates from 2002-2003 had a 21-point impact on my FICO, because that's how much my score jumped when they were gone.

Not only fire the Orchard, but apply for a new Cap1 card, then roll the limit on the existing one into it (if you can). Either way, close the old Cap1. Cap1 subprime cards are subprime for life. You should be able to get better from them.

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Was the charged off amount paid between Sep 03 and Mar 04?

What's incorrect about the tradeline?

I used to do 2-3 at a time.