When I checked my TransUnion FICO score on Dec. 9th, it was 602. I only have 2 negative collections on my credit report; both paid. One of them will be deleted from my credit report within the next week or so. Obviously, I won't apply for anything until that item is deleted. I have 3 revolving tradelines that have low utilization and are paid on time. Does anyone know of a credit card that checks transunion only? I still have some work to do on Equifax and Experian. Thanks in advance for all suggestions!
Starting Score: 467 EQ 514 TU 583 EX 
I saw this post/forum a while back, but just recently I came across a site (www.creditlibrary.org) after seeing it, I remembered this post. From what their saying and looks like - it's a new site but the concept (I think) is good. The main part of the site is a form type thing where anyone can put information about "approvals and denials" they also have a search feature though I didn't try that out.
I did try it out/submitted the details for my new card from "Simmons First" (a pretty good card) and as soon as I submitted the info, it was posted on the site. Anyways, thought it could help someone looking to apply to a lender that approves their credit type.
They also have a collection agency section similar to the lender one, but I didn't look into that one much.
Only negative (in my opinion) there isn't much posted yet (I did read somewhere on the site "it's a brand new site") but I think something like that is a nifty idea and will do well.
Hope this helps! 
Thanks for your research and suggestions. I'm going to check this out now! :-)
@Amleigh wrote:When I checked my TransUnion FICO score on Dec. 9th, it was 602. I only have 2 negative collections on my credit report; both paid. One of them will be deleted from my credit report within the next week or so. Obviously, I won't apply for anything until that item is deleted. I have 3 revolving tradelines that have low utilization and are paid on time. Does anyone know of a credit card that checks transunion only? I still have some work to do on Equifax and Experian. Thanks in advance for all suggestions!
When does your 2nd collection drop off?? (just an FYI...hehe...you can't have positive collections) Who is the CA?
You also mention that you have 3 revolving TL's. My guess is these are rebuilder cards?? With your best score being a 602, the best you'll get is another builder card with yearly fees & high int rates.
I'd clean up my reports before trying for another card.
JMO.....Mo
