I have done all I can do as far as repair. I got an Orchard secured in 8/07 and have seen my scores go up dramatically. Problem is I have no other credit cards let alone open credit period. I need to get on the ball with this!! I want to get through the aging now!
All I have on my report is:
1 Collection $30 2006
1 Orchard CL $300 8/2007
1 Charge Off 2004 Repo
1 Judgment for the Repo 2005
1 paid off installment loand for $600 1999
I got turned down after apping in March/April 08 from Hooters, Target, and Mervyn's. My Orchard was still a baby so I don't know if that had anything to do with it. I am planning on purchasing a home this year and don't want to have too many IQ. I am just soooooooo curious! It's been almost a year since I last applied!