I have the worst credit in the world. I can't get a decent car loan, can't buy a new computer, can't even open a checking account. I have had nothing in my name,(no credit of any kind) in about 9 years. I've never had a bankrupcy. Why have these old items not fallen off my credit report? I thought after 7 years things were supposed to stop being reported. What can I do to stop the credit reporting agencies from causing me to be turned down for something as simple as a bank account? It is difficult to not be able to put your money in the bank!
2007-10-06
03:00:51
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7 answers
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asked by
Jay G
3
in
Business & Finance
➔ Credit
I don't talk to creditors, and don't do anything to reset the clock. I have had no contact with any of these people in all this time. I know putting money in the bank doesn't help my credit (duh!) but I need a checking account to put my money into to pay my bills! I feel that the credit reporting agencies (Equifax especially) are violating my rights by continuing to report things which should be gone by now. I don't even apply for credit. I don't really want to borrow money, but I do feel discriminated against and would like to be treated fairly. I've had bad luck, but I don't deserve to be treated as if I'm a second class citizen.
2007-10-06
04:08:06 ·
update #1