Hi Everyone,
I went to Sams Club a few days back and applied for credit. My scores are all 680 to 700. I'm thinking its a win. Oh no! I was denied and told I will get that letter. I got it and it said no because of accounts in collection which one 1 with $1k. Age of accounts which my oldest account is 5 years old. It also said that I was in a Bk proceeding and I am not, BK discharged in 2004. Ok I called and was told I need to reestablish my credit. Oh yeah they did.. I went from BK to 300 credit score to 680/700 with no balance on anything expect that $1k collection. There's nothing to pay besides that which is in the works. So after trying one person I tried another and she told me about having accounts with comments saying anything about a dispute is consider negative info paid or not. That's considered as not having any positive trade lines. So in my case I have to have them removed and so I did. Besides EQ, EP & TU removed them and I got the alert this morning confirming it.
So I guess you can not have any bad comments to buy a house or credit cards.
Starting Score: 300 TU 300 EX