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Most lenders still use FICO models; VantageScore is common in consumer apps but not lending decisions.
5+ new personal cards in 24 months = likely denial for most Chase cards. Business cards have exceptions.
Legitimate credit repair focuses on removing inaccurate items and building positive history.
Collections can be removed through validation requests, pay-for-delete negotiations, or disputing inaccuracies.
Bankruptcy isn't the end - you can rebuild to 700+ credit scores within 2-3 years with the right strategy.
Boost Your Credit Score
Expert tips to improve your credit score and unlock better credit card offers
Never miss a payment - it's 35% of your credit score
Lower credit utilization dramatically improves your score
Length of credit history accounts for 15% of your score
Having different types of credit can boost your score
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