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Discussion in 'Credit Talk' started by jtw, May 17, 2001.
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In 1992 I was attending a Junior College and you know how it is. They have booths set up all over for applying for credit cards. I applied for Citibank and Macys. Citibank offered me their secured card and I accepted w/ a $300 deposit. Macy's issued me a card w/ $300 limit. My credit report had nothing on it at the time but some inquiries. There was a Mervyn's chargeoff from when a family member fraudulently used my account (got it when I was 15 and used it a few times and then filed the card away) and hid the bill, etc. I had to file afidavids w/ Mervyns but I got it off.