You never know what you have till you lost it. My credit was horrible for the last couple years but over the last 6 months I have been working on rebuilding my credit, paying off old debt and opening new accounts to re-establish myself. I only have about 5 derogatory items on my credit now but I have opened over 10 new accounts with banks who do not care about my past credit. I also did a share secured loan with my credit union. They did not run my credit because it was secured by my savings account. I took out a loan for $10K with them so I would have a high credit shoing good payments. The following banks gave me a major credit card: Capital One 200 Direct Merchants Bank 200 First National Bank of Brookings 200 First National Credit Card 200 First Premier 200 Net 1st Mastercard 500 Providian 300 Security Bank 200 Sterling Bank & Trust 300 Most of them are secured except for Providian but all of them didnt care that I had unpaid charge off's on my credit. The reason I went for so many bank cards is because you need to outway the number of derogatory accounts. I think I have 6 derogatory accounts which are slowly getting paid in full. This time next year my credit will be very good. I am working on getting a new car loan right now which with that will look very good in a year as well. Most banks wont look at prior derogtory as long as its paid in full after twenty four months as long as you have reestablished yourself with other good credit. Also all my secured cards in a few months will be at the high limit of either $5000 or $10,000. The only one I can't deposit more into is Capital One. I'm happy with where my credit is going. Kevin
Jessica If you could give more details on your current situation, collections judgements any tradeline etc., someone may be able to help you here Mom P.S. Please don't listen to David AKA Lucy, he is spreading pure garbage!