I recently applied for a Jared Jewelry Credit Card. The credit is supposed to be easy to obtain, even with a credit score in the 500’s.
My credit score is currently 600. I was denied at the store. The reason wasn’t for my credit score, but it was because I have 3 open negative collections accounts.
1. Hospital Bill ($ 1100). I paid this off to the collection company in November 2015. I called them yesterday and they told me in November that they sent a letter to delete to all 3 credit bureaus. Only 1 of the bureaus deleted it. I asked them to send me the letter via fax. I now have the letter.
2. Comcast ($ 250). This was not on my credit report per myFICO when I ran it 3 months ago. Now all of the sudden it is on my Equifax report with an assigned date of October 2014!!! I was dumbfounded. I called Comcast yesterday and pleaded my case that I have never had an account with them. They verified this over the phone and sent a letter to the local office which I am going to pick up today.
3. Medical Bill ($ 260) I am paying this off tomorrow. I am hoping to obtain a letter via fax from them as well.
My question is, with these letters, can i contact Equifax and have them change my accounts so they show PAID at least? I am not worreid about them deleting them right away, I just need them to show PAID as a status, so I can get this card. I am preparing to purchase an engagement ring that I need by May, so I cannot wait 60-90 days for the status to change. I am curious if I can contact Equifax and take care of it myself with the documents.
Please, any thoughts are helpful.