OK so my scores aren't SUPER but they have broken 600. No
lates for about 1.5 years, down to 1-2 old collections. I had a Macys card that I opened in 1997 and closed in 2007 - paid in full. Had some 30/60 day lates on it but SIX years old. Tried to re-open it a few weeks ago, and they said no (I called in to do it). Said I would get a letter with reasons --- and I still haven't. ...