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I just applied for a Discover Student Credit Card and I got rejected for the following reason:
PAST AND/OR PRESENT DELINQUENT CREDIT OBLIGATIONS
I did have a collection on my report from AFNI until a couple of weeks ago, but I got them to delete it entirely. It doesn't even show up on my accounts anymore. The only negative info on my reports is a 60 day late on two loans in November 2007 and a 60 day late in March 2009 on a credit card. The accounts, and all other accounts, are currently in good standing.
Any idea why I am getting rejected for this reason when it does not show up on my credit report.
Oh okay gotcha. I just assumed that it was the AFNI account rearing its ugly head again.
I have since paid off the account that had the 60 day late in March 2009. I guess it's time to GW the hell out of them!