The bad news is you got rejections for credit for all 3 bureaus. The good news is that if there was a score at that time / it was part of the reason for rejection, they should be mailing you that score. To get to 700s, I would try to deal with the medical collections. How long have you had LL? It is to their benefit to keep you on the hook for that monthly fee as long as possible. I'd recommend trying to deal with the medical collections by paying them to the OC and then dealing with them. See if the OC can remove any negative reporting affiliated with it. You can google "whychat HIPAA" to find a method that has worked for many people. We cannot link to it here, nor discuss it here. For me personally, it worked partially. It got one CA off of my reports and the other off of only one of my reports. I recently got the one that didn't remove with a GW letter.
What is your utilization like on the cards you have?
Starting Score: EQ 583 TU04 619 EX 592 (lender pull) 2010
@mauve wrote:The bad news is you got rejections for credit for all 3 bureaus. The good news is that if there was a score at that time / it was part of the reason for rejection, they should be mailing you that score. To get to 700s, I would try to deal with the medical collections. How long have you had LL? It is to their benefit to keep you on the hook for that monthly fee as long as possible. I'd recommend trying to deal with the medical collections by paying them to the OC and then dealing with them. See if the OC can remove any negative reporting affiliated with it. You can google "whychat HIPAA" to find a method that has worked for many people. We cannot link to it here, nor discuss it here. For me personally, it worked partially. It got one CA off of my reports and the other off of only one of my reports. I recently got the one that didn't remove with a GW letter.
What is your utilization like on the cards you have?
You just discussed it and referred a poster to the site. 
@DaBears wrote:
@mauve wrote:The bad news is you got rejections for credit for all 3 bureaus. The good news is that if there was a score at that time / it was part of the reason for rejection, they should be mailing you that score. To get to 700s, I would try to deal with the medical collections. How long have you had LL? It is to their benefit to keep you on the hook for that monthly fee as long as possible. I'd recommend trying to deal with the medical collections by paying them to the OC and then dealing with them. See if the OC can remove any negative reporting affiliated with it. You can google "whychat HIPAA" to find a method that has worked for many people. We cannot link to it here, nor discuss it here. For me personally, it worked partially. It got one CA off of my reports and the other off of only one of my reports. I recently got the one that didn't remove with a GW letter.
What is your utilization like on the cards you have?
You just discussed it and referred a poster to the site.
Discussing it involves more detail than "this thing exists for medical collections, and I cannot give you details". Also, it's kosher to tell them HOW to find it, but not to give any kind of a direct link.
Mauve is correct. You can mention the "Hippa process", you can even tell them to look it and whychat up or PM the info to them. You just can't post the process nor a direct link to whychat. The reason is that once upon a time, it was posted on the boards. Whychat contacted myFICO and told them that the information was theirs and that it could not be posted on the myFICO boards.
Now personally, I don't see how the process should work, but it has in the past, and still does but to less frequency due to some of the CAs catching on to it. The Hippa regulations and the FDCRA don't mesh and have nothing to do with each other. It's like apples and oranges, but some CAs have caved due to the thought of having legal problems because of it. So that's why it's still used.
So let them have their 15 minutes of fame and if it works, then good. But if it doesn't, there's other sensible routes to use.
That's all I have to say about that. 
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
It's a PITA (Pain in the behind) to do. I recently figured 'what the heck' and sent a GW letter to the last CA reporting on medical (paid to the OC) and they deleted. I probably could have gotten the same results by just paying the OC / CAs / whatever and then sending GWs. It's just another option.