Appreciate the condolonces.....these denials are a kick in the gut sometimes!! Just when you think you're making progres...
But yes, my profile is less than stellar. I have absolutely zero debt now. No collections. But I have a TON of late payments and prior negatives. In Feburary, I paid off almost $180k of student loan debt that was in default. And since it went to default, it had already changed hands a few times so my 14 original tradelines for the loans had expanded to about 33 negative tradelines.
The good news is that paying all of those off and clearing out a few old collections, I've gone from about 520 on EX to 659 in a pretty short time. Was approved for a $2k Freedom back in April which was my only approval so far. Long road ahead waiting for all that bad info to fall off though.
