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Posted by S.D. (170.141.40.32) on September 20, 2002 at 09:23:47:

Hello,I live in TN. I have 2 (paid) charge offs (both charged off summer 2001) 1 charge off with capital one (charged off 2002) that I'm making payments on (will be paid off in March 2003) and last I have a judgement (paid) in 2002 filed in April 2001. I haven't had 30 days late the past 3 months.

Other than the capital one account I have a mortgage and an unsecured loan account. (2 open accounts 1 charge off)

My current score is 532, my question: is there a chance my score can increase to the 620's within the next year as those charge off's and judgement age, and the balances on my open accounts decrease along with "on time payments"?

Thanks in advance


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