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Which is better higher score CR or less derogs CR?


mj11
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I am wondering which is better.

EX 723 5 four year old lates one of them is a paid CO

EQ 695 2 four year old lates

TU 743 2 four year old lates

The reason I ask is I am applying for some business CC's and I want to know which of my CR's will get me the best results. Since most don't pull TU I suppose it is between my EX and EQ.

Thanks!

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Have you tried writing a good will letter to the creditors to see if they would forgive the lates and remove them. After 2 years they don't affect the score as bad as they do the first 2 years.

I would try to dispute off the Charge off before applying.

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I will try disputing the CO. It only shows on EX and I did dispute it as not mine once and was rewarded with a fraud alert. What reason should I use this time? And are there any special secrets for disputing CO's?

Thanks!

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