DW was declined by Kroger – letter cited reason as "BANKRUPTCY". She's 675 TU and 658 EQ, so she sent a letter back asking for recon and stating her medical problems as the reason…showing sterling payment history on new credit since discharge. Does anyone have experience with Kroger / RBS on this? Are they bk unfriendly?

I really have to work cleaning up my CR. Waiting for more disputes we give. I've created a great story for the payment of 3 + years. I have a CH 13 dismissed from the year 2001 (hopefully come out soon in dispute) I Orchard $ 900 CL, CO $ 500, CO $ 300, FP $ 375, Target $ 500, Kay $ 1500 all balances are below 20 % utilization. I do not use too crazy to be launched, when shall I prime? where should I apply? Thank you!

I have to be logged in to my account today and noticed they slashed my limit from $ 11,200 to $ 4,400. I called them and learned that through the economy, they have decided to significantly reduce credit limits on all accounts and that there is nothing to do with my payment history and information on my credit report. I wonder whether they are in financial difficulties or just bracing for the next wave and the financial crisis – credit card defaults.
Thoughts?

I wander a Orchard Bank card for almost a year and am about to do. Should I open or close it or try to conform to some of my other CL. I really want to do away with the annual fee and would keep open if it would fit my next addition to the lower limit 1 and only cli to 400.00 in a year with perfext payment history to them. Any suggestions .

Hi, guys, have
i a 5-year-old charge away from Bank of America, I called them and they said they had no documentation. I contested for the first time with the CRA and it came back verified, then sent A 623 letter to the OC on the DOFD and they never answered me, 31 days passed and I sent A 623 letters and it came back as “verified”.
Do you, I recommend a Jack attack letter with the full payment of the story, I am absolutely sure the DOFD is not correct and the story.

Here's what is a line from my EQ:
Installment
Credit Limit (High Credit) $ 1,086
Minimum Monthly Payment (Terms) $ 0
9775 03Date not opened to record
Date the last activity in July 1999
Description Paid collection

9775 03Last report to August 2005
Balance 0
Current $ 120 + days past due status
Past overdue amount 0 $

9775

Seven years 03Recent Payment History Payment History 97,750,330 days late: 0 60

Hello Everyone,
I am looking at a car loan in the near future to obtain, but is seriously damaged my credit card;
I a repo (4 / 2006, unpaid)
I have a “saved” foreclosure have . . whatever that means .
I have a few accounts in collections
I have several (about accounts (loans, CC, etc. .) in good standing, or closed, showing good payment history.
I recently went through a divorce, which led to , repo and foreclosure.
TU Score: 519
Equifax:

I had a BK in '05. All my scores myfico.com cite 'poor payment history' as the # 2 reason for my scores -. # 1, the public record itself (BK) is
I had only 3 actual “offenses were” in front of BK and I think all of these accounts IIB. change actually FICO any IIB is considering as “delinquent” So -. influence the number of IIB scores In other words, if person A and person B are identical reports, the same checking accounts, pay histories, balances, account age, etc is out? Pers

Good morning,
I recently from some debt I had paid. I forgot that I was a member of this site. I will, how can some of my bills. I had 3 accounts in collections. I had a macys account of about 3 or 4 years. I was about 19 starting college. The balance was over 270 $. This was a macys credit card line. I suspect its revolving line of credit. I wanted to take care of that first so I start to take payment history. The othe accounts bank accounts. I owed them $ because I withdrawed money from

I am so frustrated. I have 2 credit cards, both just over a year old with a perfect payment history. 1 has a $ 2000 limit w / a $ 400 balance and the other has offset a $ 7,500 limit with $ 1600. I Experian Direct w / Power Score and noticed a few months ago that they were both reporting my credit limit is the same as my balance and therefore maxing my life. So I disputed the information, and lo and behold my score was 589-667! I was thrilled to say the least. Well, I've checked again this m