HI Everyone I have succeeded in stopping NCO dead for trying to collect on a debt way past the SOL. Along the way I cleared a few negative TL's from my reports. All was going good, so I decided to apply for an EXXon-Mobil gas card...supposed to be easy to get? Well I was turned down because of a LACK of CREDIT History. I guess all my disputes as not mine, wiped my CR's clean. Any old negs I had have fallen off due to 7yr reporting time. I am an AU on mom's chase MC and this shows up on EX but EQ and TU are clean, no credit info what so ever. I have had a cell phone for 5+ years but it is not reported. My student loan info has fallen off due to age. Should I apply for a secured passbook loan at two or three credit unions, and then pay them off over a course of 6 months to build up a credit history again? Thanks for every's help
