I would like to thank the members of this board for all of the tremendous info that has been posted ...my scores went from 520's to 650 on EX and TU and 723 on EX in under a year. I have 2 questions I had a collection account from '98 that was mine and I did owe the money. It was for $325.... they said they would remove it from my cr if I paid it, Well im a moron and didn't get it in writing...and now they will only list it as a 0 balance acct...... which validation letter would be best in this case.. Lastly... I have done such a good job removing stuff from my CR's that I have practly left them barron and I was able to get an AMEX Green but got denied for the blue even with a 723 because I have $275 in revolving credit... qeustion is this ..I am getting married in 2 months and My GF has a few open cards with 0 balances and like a $6000 credit limit.. if I added myself to the acct would that help me or hurt me int the end... the card is actually cut up ... so no purchases would be made on that acct. thank you
