So, after fighting with the insurance company about a bill, it getting to debt collectors, and settling for paying less than their original BS amount due, it is now "paid" on my report.
I eventually want an Amex charge card, since I like a few of the perks/deals they have and would like to have my foot in the door with them for bigger/better rewards cards one day. I Googled and searched within the forum, but the best I could find was 2+ years after the baddie was marked as paid, and don't even dare to try sooner. That's an ideal time since I've got all I need right now, but even that sounds very soon to me. I read a thread that said "The pug doesn't bite" and now I am too scared,
. No sense in ruining my image with them.
Anywho. Opinions on how long to wait it out?