Yes, it's possible, but growth will be lacking. I'd be more concerned with the credit repair company. They tend to make things worse. Who are you using?
@Darrin73 wrote:I don't think we can talk about who the company is but there do a wonderful job
The company can be mentioned. No linking, advertising or thorough discussion centered on them. Bottom line is, most of these companies are being paid to do things you could do yourself. Where it becomes a problem is when they dispute for no reason, or possibly put you into a settlement agreement you didn't need to be in and the ramifications of their actions. (mod cut-no in depth discussion can be done along with what I have said below on them)
Going back to your initial question, you can get in with them with around a 640 EX8, but it will probably be stuck with a limit of about $1000 for their co-branded cards until your profile is pretty much clean. Core revolvers will need scores 700+. And charge cards are around the 640-650 range for entry depending on which one you want.
Repair companies can be discussed, the violation is when someone advocates using one of them.
@Darrin73 wrote:K it's called red rock credit repair. I work so much n a single father putting kids through college don't have any extra time that's why I'm paying. But I not gonna apply for anything til my credit is spotless. I'm gonna be purchasing my first home . So I wanna get all my ducks in a row. How does medical bills work I mean there removing them but I wanna make sure everything is great n so far so good
Medical collections are some of the easiest to get removed from your CRs, here are the steps that you should follow to address them:
1. Call the OC and see if insurance can be billed, (or-rebilled), collections ultimately paid by insurance get removed per new rules that came from CRAs settlement with 22 state AGs. If not then
2. see if you qualify for Charity Care, if not then
3. ask that they recall the collection in exchange for full payment
4. Send the reporting CA a PFD offer
5. Google the HIPAA Process and contact its creator for help, this process cannot be discussed in any forum of myFico.