CareCredit???

[cjoon]

Tried to apply, credit score, 618, not approved. Called and said they can't approve it for any dollar amount. Tried with a cosigner and still not approved. 

Any other options? Or what i'm doing wrong?

[tattooedhusker]

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@cjoon wrote:

Tried to apply, credit score, 618, not approved. Called and said they can't approve it for any dollar amount. Tried with a cosigner and still not approved. 

Any other options? Or what i'm doing wrong?

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We are going to need to know more info, do you have any other cards? Limits? Baddies?

[cjoon]

Yes, one Capital One 5,000 credit limit at 19.99%

Zero missed payments

No baddies or delequents. 

One Nissan car loan, no missed payments

I'm trying to apply for a 5,000 loan I have a dental expense i need to get taken care of ASAP and cannot get anything... Any reccomendations?

[Creditaddict]

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@cjoon wrote:

Tried to apply, credit score, 618, not approved. Called and said they can't approve it for any dollar amount. Tried with a cosigner and still not approved. 

Any other options? Or what i'm doing wrong?

---

what is bringing your score down so low if you have no baddies?

what is balance on your $5k capital one? is that in your name only?

[cjoon]

It posted my old comment before,

the only "baddie" I have is a medical, ambulance transfer, $875.

Filed for bankruptcy but it has already fallen off my credit.

My interest rate for NIssan is at 6%.

 Balance on capital one is 5k, had to replace my transmission but haven't missed a payment.

At this point I don't even care what it is, I just know I have to have this done soon!

[Creditaddict]

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@cjoon wrote:

It posted my old comment before,

the only "baddie" I have is a medical, ambulance transfer, $875.

Filed for bankruptcy but it has already fallen off my credit.

My interest rate for NIssan is at 6%.

 Balance on capital one is 5k, had to replace my transmission but haven't missed a payment.

At this point I don't even care what it is, I just know I have to have this done soon!

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the maxed out credit card being your only one is killing you.

Who is co-signer and TU score? did you put you first or them first on app?

[tattooedhusker]

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@cjoon wrote:

It posted my old comment before,

the only "baddie" I have is a medical, ambulance transfer, $875.

Filed for bankruptcy but it has already fallen off my credit.

My interest rate for NIssan is at 6%.

 Balance on capital one is 5k, had to replace my transmission but haven't missed a payment.

At this point I don't even care what it is, I just know I have to have this done soon!

---

Hmm...I would imagine the utilization is killing your score