When i was 18 i got a credit card didn't pay it it got sent to collections, the usual stupid thing. Two years ago in 2012 i completely paid off the collection agency. Now this year i tried to get some credit and discovered im still getting turned down for any type of credit because after you have this happen to you, you actually have to contact equifax yourself and request for your bad debt to be removed. So on my credit report it still says that I never paid off the collection agency. So now i've contacted the collection agency got a letter from them stating i paid it off in 2012 then send that along with a request to equifax to take it off of my credit report. Then i called equifax and they informed me that they in fact did take it off. Go to the bank today to get a credit card to help build my credit. I work and make a decent income. And i'm told it is STILL on my credit report and that even when it is taken off i still might not get approved. I can't be the only 18 year old to ever mess up their credit. So my question is does anyone have experience like this? Will i ever get a credit card and build up enough credit to get a mortgage? Or is my life ruined because of a 500$ shoppers drug mart credit card from 8 years ago? Thank you in advance for any info from a similar experience.
Read more: How long does it take to get your credit back after you screw it up?
