@Anonymous wrote:It seems you have some derogs on your report. Most of the CCC's that extend high CL's look for a clean report. What derogs do you have and have you tried getting them removed? If not, when do they fall off your report?
I agree... take a look at your report and see if you have any chargeoffs, collections, public records, or late accounts... Usually you can bring your scores up to the 600s by simply taking care of derogatory information and accounts... If you never take care of these things, then it can take up to 7 years to get the scores you want.
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
dispute with experian, transunion, equifax with hand written disputes on yellow legal note pads with purple pen in cursive (it works) typed disputes often do not. They don't even look at your disputes and feeds them through a machine that verifies things.
Then you send a debt validation letter to the collections agencies, many times the company on the reports don't even have a legal right to collect
623 letter from the original creditor requesting documentaiton
then if nothing gets resolved then BBB attorney general CFNA etc. There are a lot of routes to go , I had my score in the 400's last year with only 2 secured cards even declined for BOA secured card -_-; now I have 50k in credit cards with a 754 Fico score. I was able to remove EVERYTHING due to illegal violations. Just research it online, anything can be removed.
