This is our situation, my husband and I had some rough times back in 1998. Judgement and collections 2 credit cards one is part of the judgement 2 collections hospital bill and something else. Received a large settlement paid everything. Only one creditor did what they said and deleted the trade line( paid everything to buy home) problem is we now have no credit or at least no credit lines did the providian and preimer in an attempt to restablish credit . My equfax fico 630 experian 577 transunion with outdated material on it and in dispute now trans score 571. Have had no lates in three years. We did what we were supposed to do but can't get a decent credit line. mortgage on time for year. Followed this board and applied amex (by the way they pulled experian.) Was told with anything with a collection paid or not paid I would not be approved for card I am looking for a prime card to balance transfer and get out of subprime hell. What is a person supposed to do ???? We did what we were supposed to do and paid our old debts when is it long enough before you can get a prime rate credit card. Thank you in advance for any help you can give
From someone who has applied to every card out there you will not be getting anything. the scores are just too low. I have tried probably over 50 companies so I have a pretty good idea. Keep disputing and when it cleans up a bit then try again. Do not waste any hard inquiries.
This is what is meant when people say, pay your bills and have bad credit, or don't pay your bills and have bad credit. Of course I'm referring to over due bills. There is still some reason creditor's, and CA's, would still rather keep your bad marks on your CR, rather than accept pay for deletion.
