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a friend of mine did that... anytime your turned down for a card, you can fill out an online form at transunion or exifax, request a copy, and cite the company that refused you credit.
She got hers, she had red marks on there from utility companies long since paid off, one who she didnt even use, and it said she had a sears card delinquent. the balance owed was... $0. IT WAS COUNTED AS A BAD! she didnt even HAVE a sears card.
After she made 100 phone calls and filed the correction paperwork they give ya, her credit rating went way up.
Every thing held against her was either paid, not hers or never was delinqient (misreported).
its all free, dont fall for the "pay me" scam.
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