Jump to content

509vista

Members
  • Posts

    1
  • Joined

  • Last visited

Profile Fields

  • Location
    Washington

509vista's Achievements

Newbie

Newbie (1/6)

10

Reputation

  1. Hello, My name is Jeremy and I'm 24 years old. I have had a 730 credit score for some time but to my surprise it is now a 580 and I'm unable to obtain credit. My goal is to buy a house this year and I'm scared I may have messed it all up. I would appreciate any advise I could get from the viewers of this forum. Last week I went to apply for a credit card and to my surprise I was denied. When the reason came in the mail it said "Serious Delinquency" and I was blown away. I had cut up my credit cards 5 months prior and was entirely debt free. I went and pulled my credit score and I show a history of 18 credit accounts, past and present, all with great scores and a "never late" disclaimer except for one, Bank of America. After investigation with the bank I have learned that my iTunes account was still linked to this card and I had bought a movie or two without realizing it. They say they have sent bills but as far as I was concerned I owed them no money so I just never looked. I totally understand that this is my fault I'm just hoping that $28 doesn't ruin my otherwise great credit. The BOA customer service representative acted as if I owed them my life and there is no way out. I FEEL I HAVE BEEN CAUGHT UP IN A COMPUTERIZED WORLD WHERE RATIONAL THOUGHT DOESNT EXIST! PLEASE HELP!
×
×
  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.. For more information, please see our Privacy Policy and Terms of Use.