Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
Re: 730 Experian, 695 TU, 681 EQ - $170k Income. Can't Get Approved For Anything. Advice?

DaveSignal wrote:

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.


Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014