Re: 730 Experian, 695 TU, 681 EQ - $170k Income. Can't Get Approved For Anything. Advice?
09-29-2012 03:41 PM
you need to look at your credit reports. A charge-off from 1999 shouldn't be there. If it is, dispute the date of first delinquency. Then, you need some current revolving credit history. Maybe your wife can add you as AU on some of her cards.... she doesn't need to give you a physical card for these accounts to reflect on your credit reports.
I agree, that 1999 CO needs to come off ASAP. I'd be shooting off a DV letter to the CA.
Bronze Spade Garden Club Member - Last App 8/27/13 - No Apps until 8/27/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 699 (myFICO) 704 / EQ FICO 666 / TU08 FICO 710 / TU VS 724 10/10/2013