Quote:
Originally Posted by Mr Cashman 23
I'm 24 years old now, had one credit card (and they gave it to me when I was seventeen) with a $200.00 limit, used the card and never paid it. Now almost 7 years later I'm trying to fix my credit, my credit score is 549 with equifax, transunion and expierera and the only deliquency on my report is that credit card and they put that on my report in the year 2000, will this go off my report ever? should i pay it? how should i rebuild my credit?
thanks for your help
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You also may need to state which state you happen to live in and possibly the state in which you lived in when you had that card.
The one negative item would not however be the only thing keeping your score so damn low. I would guess you have a lack of any other credit. Zero or next to no other items either on your report either right?