My credit score was 488 with several errors. After those were corrected it was raised to 550. I'm trying to get a small loan, but my score is blocking me, despite little debt.
I have 5 credit cards which showed up as delinquent. After paying 3 of these off and half the balance on the others, the three owned by Capital One still show up as unpaid 2 months after being paid off. On Friday I applied for a loan and they said my credit report still showed 488, and even with a cosigner of impeccable credit they said they couldn't lend me anything. I'm without a vehicle or home. I owe very little debt and have an income of $100,000 per year. I feel I am being treated with malicious, capricious and arbitrary behavior because of my disability.
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