- Posts: 1
- Joined: Wed Jun 01, 2011 5:42 pm
- Location: durham, nc
Back in college 3 years ago, I got a credit card (hey, i got a free pizza out of it!), ran it up to the $500 limit and paid it off until i had $170 outstanding. a petty sum in hindsight.
Well I moved, didn't forward my address, and didn't think about it again until the creditors came calling. I immediately paid it off at that point, some 18 months later, and closed the account (i acknowledge that was a bad move). Well, now I have no credit card, a healthy savings and earnings, but seemingly no credit.
I used my free Equifax account through my bank to verify that the ONLY thing on my entire credit report is that danged card. 0 public records, 0 collections, 1 negative account. It doesn't reflect my awesome bill paying for utilities and insurance and cell phone, or the spot-on rent payments, or the perfect payoff of thousands in health bills. Obviously, both credit cards I've applied for have given me the thumbs down.
Is there anyone out there who will listen to me, look at me as a real person and not an abstract number to give me a chance?!?! I just want a simple card to pay for groceries and then pay off every month so that someday I can actually get a car loan or a mortgage. Help? Thanks all!