<prompt> Human: My credit score is 540, I get denied for everything, from secured credit cards, to debt consolidation loans, Ive sent pay for delete letters to my creditors, and all of them told me no, so then I sent validation letters, to which they sent an old billI was told this is not validationI only have a few things in collections, and all of them are years old at this pointI have 3 on TU, and 5 on EquifaxTransUnion:1. 3002. 5703. 1833Equifax1. 1952. 1443. 204. 3005. 570I recently had a 5000 collection come off my accountasked for verification and they deleted it I thought that would make my score shoot up, but it only went up 6 pointsWhat can I do?Assistant: You can pay down your debt or wait for it to fall off. This is directly a result of this stuff dude. Youre a risky borrower and your credit reflects that. Human: Obviously paying it wont improve my score, as the biggest one I had only made it go up 6 pointsI have more accounts in good standing than anything else, car loan, student loans, etc, never been late on thosecar payment got approved no problem wonder why I get approved for a 15000 truck no problem, but a 200 credit card is too much to askAssistant: Well what was the APR on your auto loan? For the CCs, its because you have a bad history with them, and they weigh delinquencies in that department highly when theyre giving your credit a hard pull. And a payment is still an improvement, it still is a remediation but for most CC debt once its on there, you have to let it fall off. Human: I think the APR is like 17Thing is, not one of those collections is a credit cardMedical, utility and a cell phone bill  <response>: the auto loan is secured with the car as collateral and 17 on a secured loan is insanely high. 