I'm kindly asking if any of the members here with more experience could steer me in the right direction. Right now on my 3 CA's I have the following: Equifax (empty file, nothing listed - postive or negative!) Thanks to Lexington Law Firm Equifax deleted all my items! Experian - Paid/Charge Off $350 $12,000 Car Loan - Paid as agreed, no late payments (same account as on TransUnion showing late payments) TransUnion - Paid/Carge Off $350 Late payments of 30, 60 & one 90 day on $12,000 Car Loan (Joint Acct). *I tried to get a Corvette GM card but got turned down online statingInsufficient credit items Please help