I have a friend that's is having a hard time getting a credit card. His fico scores for TU and EQ is in the low to mid 700's. After using the estimator, his EX fico should be between 640 and 690. The foreclosure is only showing up on EX BTW. Credit history is good give or take a few lates her and there. The foreclosure was back in 02 and the house was sold in the same year. Where things get weird is that the OC for the Forclosure sold part of the debt onto a CA in 05. The CA states that their was a payment made on the account in 9/09 which the last time they reported. Disputing the information did nothing. The foreclosure was set to fall off in 09/09 but is still on the report. The CA is scheduled to fall off in 2 years . Any advice on what to do next?
