The reason I applied for clear is that on the get a credit card thing it has great , good , fair and bad to ge a credit card.. My scores are fair so I applied.. I think the 2 big things that are killing me are that one stupid 141 collection from 2004. and the lates before deferment on my 3800.00 student loan.. Smith and rochoun are not and will not remove the 141 wwether I pay it or not.. They even told me that it was illegal for me to send them a letter asking them to remove it if I paid it off even though I still dont think its mine..I was also told if I do pay it off it will update and my scores will stay the same even if it shows I paided it off. Also before I put sallie mae in deferment someone their failed to do the paper work right and it shows almost 60 to 90 days late less than a year ago. Other than that I have a Cap One in great standing, A Gap Card ( New ) A Old Navy Card ( New) A 9986.00 truck loan (New) first payment due on truck loan thru the credit union is due July 25th automatic withdrawl...
Also I have been hunting Apartments for 2 months now .. We need to move before August because my daughter really needs to go to a good school, better than the JPS around here..
The other day we looked at renting a mobile home in an upscale trailer park, My credit was pulled and I was told I was conditionally approved and my deposit would be $500.00 ..They pulled TU last month TU was 632..
I asked what score they pulled and I was told it was against the policy of the park to give me my credit score... Dang app fee cost me $45.00
Today I am going to look some more I have found about 5 apartments in good areas in my price range , I will have to app by myself because my wifes score is horriable... Like 460 or so.. She was in the hospitol for about 4 months and didnt let me know about her credit situation.. But we have seperate accounts thank God...
EQ 817, EX 815, TU 813 (Updated 1/5/18: TU 843