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vgjerez

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How can i check my Fico score?
I want to buy a house and i have collections debt on my credit and when i applied for a credit card i was denied and the reason came up as delinquency. what can i do?

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You should contact the firm which reflected the debt and delinquency and negotiate a settlement with them.   You should read the various information regarding something called  "pay for delete" so this can be part of your settlement offer.   Your mortgage company wants to see the item paid, although, it would be in your best interest if you can have it removed entirely.

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You should have received (or soon will receive) a letter from the bank telling you which credit bureau they consulted and you will get the details of what caused the credit denial.  If you read the articles on this site, then you will understand how credit really works and how to proceed to get it improved. 

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