I have two baddies on my Experian & Transunion report, lender pull 638 on both. The baddies are from an overdrafted bank account $715 BOA the CA agency keeps reporting it each month (ugh) last date of activity 3/09 but when into default back in 07 or so. I called regarding the baddie back in 3/09. The other baddie occured in 2007 and it reports each month in the amount of $130.00 I have applied for credit but have been denied through Capital One, Orchard, Hooters and the list goes on. I do have two rather new trade lines.
First Premier 11 months old and Credit One 3 Months Old. (I basically had to pay for those trade lines) I think I have to many inquiries now. My highest Fico score is 681 with out any baddies reporting BUT when I applied for cards that only pulled equifax....still denied. I am confused on how to obatin credit! I have no other items other than a host of credit inquiries and the 2 $200 limit cards. That I use and PIF or leave small balance less than 10% when I ask for a credit increase from First Premier they denied for trade lines to young, derogatories and inquires....HELP how in the world do I obtain credit! Should I pay the baddies? Because I thought I should not as it would not change my score. They are due to fall of in about two years. I thought about PFD for the small $130.00 one but they are both for the same CA so I figured they would not allow to do it that way...I am very confused about credit even after a year on my fico!
Thanks!
