Hello, I'm in the process of trying to rebuild and I'm having a hard time. I filed for Ch 7 bk twice in 2015 but didnt follow though with it. However in 2018 I filed Ch 7 and was discharged. Now all 3 are showing on my CR but I only had 1 discharge. I didn't know that just by opening a Bk case that it would affect me even if I didn't follow through with a discharge. Right now all of my credit scores are around 650's. I've only been able to get a Cap One $2200 CL and a Creditone $1500 CL. My car broke down so I recently purchased a used vehicle with a horrible interest rate of almost 15%. So I have attempted to apply for other cards and I get the same message denial about too many BK's. So is there anything I can do? Or should I leave things as they are and just let time pass? ... View more

I need some help. My credit scores are around 690-700. I am looking to purchase my first home. I am looking for a new loan that will incorporate maybe a car loan and credit card debt. Are there any loans like that? ... View more

I was denied Amex and it suckssssssssssssss. Reason for the Denial?   2005 Bankruptcy   DARN IT!!! ... View more

My bankruptcy was discharged in 2008. In that bankruptcy I included sprint (among several other accounts). Well today I get notification from Experian that I have a new negative account account reporting.  This is the same sprint account and it looks like they have sold the account to Enhanced Recovery Corporation. What can I do?  I called the CA and was told that they would make not on the account. That is not the issue. I either want it removed And it to state on my CR that it was included in bankruptcy. They have the account with a date as of 2010 which is the date that the account was sold to them I assume. Any advice?   I offered to send over my bankruptcy papers but they declined. No help from Sprint. Well Sprint did give me a National Disputes number but when I called it was some type of a adult phone line..I'm pissed.  HELP.. Does anyone know a fax or something that I can send the info to? ... View more

My bankruptcy was discharged in 2008. In that bankruptcy I included sprint (among several other accounts). Well today I get notification from Experian that I have a new negative account account reporting.  This is the same sprint account and it looks like they have sold the account. What can I do? It is listing the date as of 2010 which is the date that the account was sold I assume. Any advice? ... View more

Hello   I really  need some advice. I have been given great advice since being on this forum. I was able to bring my credit score from 585 to 650 (still working on it). Let me start off my saying that I filed for Chapter 7 in Aug '07. So since that time I have been working hard rebuilding my credit.  Ok...so back in May I applied and was approved for a used car loan with Navy Federal. Well I went back and forth with Navy Federal on the terms of my loans about 5 times. So guess what? When I pulled my credit report I found that the bank opened and closed 5 car loans  ...all in good standings. But, my problem is that this caused my average age of account to go from 6.3 years down to 2.1 years. This has caused my credit score to drop all the way down to 599.. I was so shocked!!!!.  I know I could probably dispute the accounts and have them removed, but then I started thinking if there was a way I could use this to benefit me. It does help me to have positive accounts appear on my credit reports since I still have the public record and 4 baddies .  Since I am attempting to rebuild my credit anyway I could keep the accounts on, take the hit now and benefit down the road. Or am I thinking of this in the wrong way?  ... View more

Hello   I really  need some advice. I have been given great advice since being on this forum. I was able to bring my credit score from 585 to 650 (still working on it). Let me start off my saying that I filed for Chapter 7 in Aug '07. So since that time I have been working hard rebuilding my credit.  Ok...so back in May I applied and was approved for a used car loan with Navy Federal. Well I went back and forth with Navy Federal on the terms of my loans about 5 times. So guess what? When I pulled my credit report I found that the bank opened and closed 5 car loans  ...all in good standings. But, my problem is that this caused my average age of account to go from 6.3 years down to 2.1 years. This has caused my credit score to drop all the way down to 599.. I was so shocked!!!!.  I know I could probably dispute the accounts and have them removed, but then I started thinking if there was a way I could use this to benefit me. It does help me to have positive accounts appear on my credit reports since I still have the public record and 4 baddies .  Since I am attempting to rebuild my credit anyway I could keep the accounts on, take the hit now and benefit down the road. Or am I thinking of this in the wrong way?   ... View more

Hi   I was denied a credit card from Kays..does anyone have the recon number? ... View more

I decided to apply for a barclay's credit card... but received the following message:   Thank you for applying. The Card issuer, Barclays, will need more time to review the information you provided for your Barnes & Noble MasterCard® application. There is no need to reapply and it may take up to 10 days to process your application. Barclays will send you an email upon review of your application. You can also visit our website to check the status at: www.myapplicationstatus.com/barclays Click below to return to www.bn.com   Is this a denial?  ... View more