Link to a forum : Newbie Denied by Hooters

First comment from this forum :

12-11-2007 (21 posts)

"I am trying to rebuild my credit to buy a home in 6 months. It doesn't look like it is working! Hooters just denied me.

Good Credit:

I have two credit cards with low balance to limit ratio (9 and 6 month perfect history), and an auto loan (12 month perfect history).

Bad Credit:

2 student loans in default reporting to all 3 CRA's. Any suggestions on a rehab program? They want 20% down and 9 months to report to CRA's.

1 collection with Experian that is paid.
1 collection with Equifax that is paid. 1 student loan duplicate.


Can anyone suggest a reputable service to use? I don't stay on top of it.

Your Latest FICO® Scores
TransUnion
558 Date: 12/10/2007
Equifax
599 Date: 12/10/2007
Experian
485 Date: 12/10/2007

Thanks"

see this forum at : http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=278733