I have been trying for years to get a charged off credit card debt corrected with no success! To make a long and probably familiar story short, when I was an 18 year old freshman I got a Visa credit card, charged it to it's limit, graduated, paid the minimum payment for a while then stopped paying it. It's been soooooooooo long that it hasn't been on my credit report for years! I've tried to get in contact with Visa about the matter and they said they had no record of the debt so right now I'm at a complete loss as to what my next step should be. Luckily for me that was the only credit card I had in college and the only credit card I've had in my life that has a bad payment history attached to it. My credit rating is good but I can't seem to get it any higher lately. The only way I remembered I even had that card was when my financial planner recommended that I get a credit card because I didn't have one at the time. Visa sent me an offer in the mail but I was denied a credit line and wasn't given a reason as to why. It was then that I remembered about the card in college and figured that had to be the reason why. My husband and I have successfully financed quite a few big items over the years and his credit rating is great so this seems to be the only road block for me. If you have any good advice please help a sister out because I am truly at my wits end!
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