I just got declined for the discover card, thats the bad news the good news is that my credit score is
677 Equifax. I have recent collections. Just last month I was sitting at a 560 trans union. TU is at 642. Experian was 613 and it still at 613.
. I recently was approved for 3 credit cards. Two with capital one and one from credit one bank. They cater to bad credit. I've paid on time for the past two years but did have collections go thru. I'll be good on payments from now on and no more collections. I want an 850 score. It may take some years but I believe I'll get there at least once to pull it and be that. But in all seriousness I do want to be in the 800 club.