@mt2va wrote:
This time 2 years and it really is the last time. I got rid of the person that was causing me to be unable to meet my credit obligations and have actually paid every single one back even though they were mostly all his charges. So I have a lot of collections/charge offs but on a manual review they are all paid off. So yes they were charged off when I didn't pay them but rather than just turn my back or declare bankruptcy I have paid off nearly $40k in debt he left me with. But apparently that isn't good enough to get a decent card. My income (that I can prove with my W2) is around $45K. I have a lot of mandatory OT and frequent quarterly/annual bonuses that push it up higher than if you just go by my paystub/hourly rate.
You may want to look around the Rebuilding forum for feedback on GW Letters and Removal, if you haven't done that already. I've had success with GW removal, and hopefully you can, too. Good luck in your efforts!
Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
