You guys, I am SO discouraged. I think discouragement is an understatement. I started off this rebuilding journey with low 500s. Two months later I am at 608/610/609. I got some success with removing two collection accounts and one charge off account. I still have 1 paid charge off, student loans (8 loans w/ federal and 8 loans with Navient) with serious lates, and a paid collection account for $635. Even typing out how many baddies I still have on my report is upsetting. I tried requesting a GW removal of the charge off with Capital One and they will not remove it even though it was just for fees remaining at the end of the lease term. I have not even attempted GWs with the loan companies because I have read on these forums that it is near to impossible to attain success. The paid collection is with PRA, so doubt they will remove it.
Based on my scores now, I thought I should try applying for Barclays Apple Rewards. (I was purchasing an apple watch.) I was denied. Called recon and told that they wanted to see me handle credit for more time since the last delinquency. I was okay with that. I get it. It was just hard to hear. I applied for Bank of America Cash Rewards because I have banked with them for over 13 years. I was originally denied the fully secured card before I cleaned some stuff up. I was hoping that if I did get denied (I knew there was a strong possibility) that they would counter with the partially secured. Looking back now, don't know what I was thinking. Anyway, tried recon hoping to get offered the partially secured or even the fully secured. No dice. The analyst was so demeaning and not as helpful as the Barclays analyst.
I know these decisions are not personal, but it sucks. I guess I have just come to the realization that though I have made progress, I have soooo much longer to go. I made the decision that I will not be applying to any more cards for the next year. I will focus on just responsibly handling the cards that I have now (Cap1 QuicksilverOne $1270; L&T $750; OpenSky $200; Fingerhut $300). Hopefully, in a years time, I won't have to experience being denied from every application.
Thanks for listening to the long vent. I would appreciate any advice or testimonials from anyone in my situation.
