Hello,
Recently I realized that while my credit now and bill payments are on time, that my past negatives are really hurting me. My chances for doing anything in the near immediate future are hindered by some negatives. I tried to send good will letters/ emails/ planet feedback requests I got denied by barclays, chase, and direct loans ( the government). Anyone have any experiences and can help me out. I've heard stories of people trying over and over again and finally having success. Is this just wishful thinking?
