i was so anxious and impatient to finally get into a credit union i decided to join PENFED. hoping they would start me off well, i decided to try for a credit card. big mistake. forgot they pulled equifax. 4 baddies ( 2 that shouldnt be on there, was never called or sent a letter that they were going to be sent to my report). 2 $130 baddies that could easily be paid off. both medical. well i was denied for their promise card. reasons. accounts on collections and AAOA (9 months) so now i feel like im stuck with a penfed acount with nothing to show for it. i read about PLOC and personal loans but i dont know if they would approve me for those if i cant even get approved for a CC. i do want to take advatage of the HP that was already pulled. and taking out a personal loan , or any loan to pay and have some baddies deleted would be great. would love opinions on what i should do. of course im going to garden, but i want to take advatnage of the HP thats already there.. thanks in advance
