Hello My Fico Forum,
I sure hope you can offer some guidance. I am a 31 year old business professional who recently is headed back to school. In my earlier adult life I was extremely reckless with my credit. I have been making amends to my credit going on 3 years now; I budget and pay off everything I can and always pay in cash. I do not live out of my means today. I have a student loan of $14,000 which is now in good standing; I just completed a Credit Rehab program. I'm very excited about this.
About a year ago I purchased a used vehicle from Carmax at an extremely high interest rate but it was necessary for me to get into this loan to get to and from work. I tried going through LendingTree.com to see about getting a refinance on this car loan to lower my interest. I was denied by 5 different companys. 
One of the main reasons it says for the denial is, "Public collection and no revolving accounts." I just found out that I have a judgment on my record from Accept Acceptance for about $5,000. I had no idea about this and apparently they "served" me papers years ago and I never showed up to court. I was never served papers, ever. In addition, I want to open up a secured credit card. I have $350 to put down as a deposit but I can't get a company to offer me even a measely secured credit card to start building my credit up. I feel very discouraged as I have been making ontime payments and catching up with my debt for the past 3 years. I'm at a loss. Is there any company out there who will take my money for me to open up a secured credit card? Any suggestions on the above would be greatly appreciated. Thank you, Sleepless and feeling hopeless....in Florida
