I'm trying to remain patient, but I had so many tell me that in order to get a credit card, or an auto loan, I would need about 2-3 credit cards to get some revolving accounts on my credit report to start improving my score. I have SIX (although I thought I would've had seven inquiries with the credit card HP). Three of them are from 2011, four of them are recent (Sprint, Wells Fargo *not listed as an inquiry*, Amazon and WalMart.)
Underwriter suggested calling TU about my credit report and speaking with them about applying for credit, but what is the CA going to tell me?
Current Score: EQ 600; TU 652 (as of 12/04/2012); EX: 611 (as of 12/06/2012 per Pageonce iPhone App)
I will wait for the letter and see what it says the reason is. The underwriter from GEMB said it has to do with what was on my credit report rather than my recent address change, which I emphasized to him. Only thing on my report is a neg. account from like 5-6 years ago that a collections agency re-aged I believed sometime in 2011. Additionally, I should only have 6 inquiries, 3-4 of them fresh in the last 2 months, and a satisfactory installment account, along with the new Wells Fargo CC I was issued a month ago.
Just received a letter electronially from GE Capital. Both had the same factors stating why I was denied:
SERIOUS DELINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED
NUMBER OF ACCOUNTS PAID AS AGREED
NO RECENT NON-MORTGAGE BALANCE INFORMATION
LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
As for the serious delinquency, and public record or collection filed... I only have one baddie and that's, again, a collection account that was sent back in 2007 that a new collection agency picked up in 2011 and "re-aged" the debt by making it seem like a recent debt.
I have one installment account paid as agreed on my report.
No recent non-mortgage balance information... not sure what this means.
Length of time revolving accounts have been established. I could've guessed this being one.
Obviously, there are quite a few things I could do to resolve these issues, but how do I go about the "re-aging" of an account? Any suggestions on improving my chances of approval next time I apply, or is there a way to receive a recon. Any advice is helpful, having only one revolving account is not helping my score right now, or at least it doesn't seem like it is. 
rootpooty: The collection account on my credit report says it will drop off in 2018. However, the original account, from T-Mobile is back from 2007, possibly late 2006. That is why I said the collections company reaged the debt. How would I go about having this disputed or checked into because I refuse to have it on my account until 2018.
YoungMoney06 wrote:In the midst of the recent denials for GE's cards, is there any other recommendations of unsecured cards I could possibly obtain as a student? I'm interested in getting another tradeline, but don't want to have to deal with potential denial again, and the risk of another inquiry is too high.
Capital One Journey or Discover More or Open Road Student 
as long as you enter your student information you're nearly guaranteed approval! Journey more so than Discover
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