Hello! Long time creeper, first time poster!
I'm starting to get really fed up, frustrated and embarrassed of my situation and have no idea how to fix it. Back when I first turned 18, I applied for a credit card ($500 limit) and was approved straight away. I lost my job about a year later and was unable to make even the minimum payment on my balance (it was completely maxed out because I was an salamander with spending) and it went into collections. This credit card that went to collections still pops up as an "active card" with every place I've applied to get a credit card (including my