Barclays card denied for lack of credit history

[oaolivas]

I do not belong to a CU.

[myjourney]

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@oaolivas wrote:

I really appreciate everyone's responses. I should note that I do have a few baddies on my report from back in 2003 and 2009 and am currently trying to re-build my credit. One was a negative checking account balance that I had completely forgotten about from 2003 (when I was a senior in high school) but had been reported this year so it was still showing up in my credit report. The other was an HSBC/Best buy credit card that had a remaining balance of $65, this was last reported in 2009 and marked as a write off. Again I've paid both these delinquincies off earlier this month. This last account still shows up as revolving on my credit report, is it possible for HSBC to re-open my account now that its been paid (given that it is still marked as revolving) and potentially use that as an existing line of credit when I recon with Barclays?

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Not sure what you have from 2003 but it should be removed with 7 year rule dispute it with CB's 

[pizzadude]

You can ask for that account to be reopened but the odds are very low. Almost all creditors will make you reapply rather than than reopening a closed account.

[LS2982]

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@myjourney wrote:

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@oaolivas wrote:

I really appreciate everyone's responses. I should note that I do have a few baddies on my report from back in 2003 and 2009 and am currently trying to re-build my credit. One was a negative checking account balance that I had completely forgotten about from 2003 (when I was a senior in high school) but had been reported this year so it was still showing up in my credit report. The other was an HSBC/Best buy credit card that had a remaining balance of $65, this was last reported in 2009 and marked as a write off. Again I've paid both these delinquincies off earlier this month. This last account still shows up as revolving on my credit report, is it possible for HSBC to re-open my account now that its been paid (given that it is still marked as revolving) and potentially use that as an existing line of credit when I recon with Barclays?

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Not sure what you have from 2003 but it should be removed with 7 year rule dispute it with CB's 

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I agree, anything over 7 yrs from DoFD should not be reporting. Dispute it!

[Revelate]

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@LS2982 wrote:

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@myjourney wrote:

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@oaolivas wrote:

I really appreciate everyone's responses. I should note that I do have a few baddies on my report from back in 2003 and 2009 and am currently trying to re-build my credit. One was a negative checking account balance that I had completely forgotten about from 2003 (when I was a senior in high school) but had been reported this year so it was still showing up in my credit report. The other was an HSBC/Best buy credit card that had a remaining balance of $65, this was last reported in 2009 and marked as a write off. Again I've paid both these delinquincies off earlier this month. This last account still shows up as revolving on my credit report, is it possible for HSBC to re-open my account now that its been paid (given that it is still marked as revolving) and potentially use that as an existing line of credit when I recon with Barclays?

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Not sure what you have from 2003 but it should be removed with 7 year rule dispute it with CB's 

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I agree, anything over 7 yrs from DoFD should not be reporting. Dispute it!

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Ch 7 BK's and tax liens .

[oaolivas]

hm I'll be looking into and let you guys know what happened. Once again I appreciate everyone's help.

[LS2982]

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@Revelate wrote:

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@LS2982 wrote:

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@myjourney wrote:

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@oaolivas wrote:

I really appreciate everyone's responses. I should note that I do have a few baddies on my report from back in 2003 and 2009 and am currently trying to re-build my credit. One was a negative checking account balance that I had completely forgotten about from 2003 (when I was a senior in high school) but had been reported this year so it was still showing up in my credit report. The other was an HSBC/Best buy credit card that had a remaining balance of $65, this was last reported in 2009 and marked as a write off. Again I've paid both these delinquincies off earlier this month. This last account still shows up as revolving on my credit report, is it possible for HSBC to re-open my account now that its been paid (given that it is still marked as revolving) and potentially use that as an existing line of credit when I recon with Barclays?

---

Not sure what you have from 2003 but it should be removed with 7 year rule dispute it with CB's 

---

I agree, anything over 7 yrs from DoFD should not be reporting. Dispute it!

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Ch 7 BK's and tax liens .

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I agree, anything everything other than tax liens and BK's over 7 yrs from DoFD should not be reporting. Dispute it! 

[NewtoCredit80]

If you have paid the best buy card then you should write Good Will letter to creditor to delete the credit line from your report. Even paid collection drag your score down. I agree with LS that CapOne is your best bet.

[oaolivas]

What is a good will letter?

[enharu]

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@oaolivas wrote:

What is a good will letter?

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This topic has answers and steps on how to do it: 

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-letter-Q-amp-A-Examples-and-GW-Success-Sto...