I did not leave the country on good terms. Had one outstanding credit card "its been so long, I cannot even recall who it was". I went to do a credit check and at least one national credit card form application returned a message stating "not enough informaiton found". I tried doing other last known address lookups. No luck. If I left the country I was told bad debts would be wipped out in seven years...but does that also create a zero or non existant credit rating?
I am working now...thankfully! If I have to rebuild my credit...what form of loans should I use? Secured or non secured credit card? Does it matter how many times I use a credit card and pay it off before the end of the month? Is a credit score based on speed and frequency of making purchaces then paying them off? Eventually, I want to be at a position to qualify for a house purchace. Then...invest in realestate.
Thanks much
