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Recently, I applied for Citi Diamond Preferred Card, but my application was rejected straightway.
I was told that my credit score is too low. I checked my credit report and found that there are a couple of unpaid credit card accounts.
I borrowed $1000 from Liberty Group and $500 from Zip 19 in 2015. I didn’t see these lenders on my credit report. Can you tell me why? Should I contact these lenders and pay?

Credit card accounts have been assigned to debt collection agencies. I owe $7500 on one account and $6000 on another account. What should I do? It isn’t possible for me to pay off these accounts.

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