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Established Contributor
Posts: 557
Registered: ‎04-05-2013
0

Credit One Denial

Hello Folks,

 

I visited a website early morning today, I saw an add for prequalification from Credit One and just by curiosity; I clicked on the add and entered my personal information and got an instant denial based on the information bellow.

 

I am shocked, even if they approve me! I would not take their offer. I was approved for Barclaycard Rewards Card a Month ago and my score has improved since then, what's going on..any idea?

 

 

Your credit score: 748
Date: 01/16/2014
Scores range from a low of 350 to a high of 850

Key factors that adversely affected your credit score:

  • Delinquency reported on accounts
  • Ratio of loan balances to credit limits too high
  • Insufficient time since most recent account opened
  • Too many recent inquiries
Valued Contributor
Posts: 12,959
Registered: ‎08-13-2013
0

Re: Credit One Denial

You are better off without credit one! It's better cards out there

Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (04/03/2016) EX Fico - 831 ( 04/01/2016 ) ******* Amex - BCP 10 K * Discover - IT 22.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 5 K * Amex - GDSM 5 K ******FICO 800 Club Member ******* EQ 830 *** TU 832 *** EX 821 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 830's Scores ******
Senior Contributor
Posts: 4,039
Registered: ‎10-02-2012
0

Re: Credit One Denial

+1 dont even call them hahha 

Chapter 7 Bankruptcy discharged on 7/11/16. Let the rebuilding begin!

EX FICO ---, EQ FICO ---, TU FICO ---. Banking with Citi Bank and Rabobank. Gardening Since 07/18/16
Senior Contributor
Posts: 11,561
Registered: ‎01-04-2014
0

Re: Credit One Denial

No loss and in fact you're better off without them.

It's All In The Magic Of Your Own Destiny * FICO TU 728 EQ 711 EX 724
Senior Contributor
Posts: 10,277
Registered: ‎09-24-2013
0

Re: Credit One Denial


Wade64 wrote:

You are better off without credit one! It's better cards out there


+1

.
Community Leader
Valued Contributor
Posts: 11,520
Registered: ‎09-13-2013
0

Re: Credit One Denial


CreditMagic7 wrote:
No loss and in fact you're better off without them.


+ a trillion!

Moderator
Posts: 9,467
Registered: ‎09-22-2012
0

Re: Credit One Denial

Why were you even trying for a Creditone card?
Established Contributor
Posts: 557
Registered: ‎04-05-2013
0

Re: Credit One Denial


B335is wrote:
Why were you even trying for a Creditone card?

I was reading some contents out of a website, an add popped-up on my screen asking me I want to see if I can get prequalified for one of their credit cards without getting a hard inquiry; I said why not I don't have nothing to lose.

New Visitor
Posts: 1,575
Registered: ‎11-14-2013
0

Re: Credit One Denial


B335is wrote:
Why were you even trying for a Creditone card?

+1 Looking at your CS, CreditOne should be a card to avoid with a strong passion. No benefits whatsoever in your case as it's an credit rebuilder card.




EQ-683 TU-714 EX-722 (as of 5-21-15)
Highlighted
Established Contributor
Posts: 591
Registered: ‎02-14-2013
0

Re: Credit One Denial

You have something to feel good about, Credit One denies most folks with really GOOD credit.

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