First off, Registering Vanilla Discover Card in Canada? Hoping for any comment. My 2nd question... I havent seen this anywhere so I am asking .....

When I originally got my credit cards a million years ago I had to put down my income and they amex, mastercard, mervyns, jc penny etc called my employer to verify my income..

That was when was 18 I'm now 40 I no longer have thoes credit cards over the last 10 years I have one by one paid them off and eliminated all my cards I dont have any in collections they are all just closed some dont even show anymore on my credit report....

Had I had the knowledge I have now from credit boards I would not of closed them.

On my credit report is the following.

A car loan $16,000. (in good standing but at a high intrest rate).

One student loan $9,000.

The negitives are.

An overpayment from the department of homeland security $1,600. from when I worked for them 6 years ago that I just found out about 6 months ago (it looks like a bad loan gone to default).

1 hospital bill $40,000. that should of fallen off 1/2/10 ( I will give it till the end of the month) but my debt to income ratio is off.

It looks like I make little to nothing when I really make and have been making 70 thousand a year.

How do I change this? it looks like my 16 thousand dollar auto loan is even with my income.

I think my credit score would change and maybe I'm wrong if it looked like I have a decent income.

How do I change this ? what prooff do I have to show them?.

I welcome any and all advice..