@Fred8629 it is not bogus, I have to view credit reports as a daily part of my job and last week I saw a med coll acct for 12.00

@davenick.. won't it still drop though as things age?

Make her pay a fine of 100,000 in back pay and 1 year of community service picking up trash

@ eauneau Sears does not handle their credit cards .. that is Citibank, so if you had a problem with that complain about Citibank. The Sears here near me has excellent customer service and do well with their tools and electronics. What would compete with Crafstman? I think taking on Kmart was a boondogle.

FHA 580? get real they just raised it from 620 to 640

@ Tracie, just remember the bad credit you have now can stay on your credit report up to 7 years, a bankruptcy can stay on for up to 10 years, do you have 10 years? Most landlords care only about criminal history and previous evictions.

@Dean Anderson, Dean, your best bet would be to get a "secured" credit card. Open a savings account at a credit union and then ask for a credit card secured by the account. That way there is no risk to you or to the financial institution. Then pay a bill (cell phone or utility) every month with the credit card and pay ...more