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DENIED CapOne

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blackedoutdodge
New Member

DENIED CapOne

hello New to the forums my current credit score through tu is 620 I do have 16 cards store, gas, secured cc positive credit history about 11 months currently had a bunch of items removed from my history still have four items in dispute but have been turned down by Capital One numerous times even waited before reapplying does anyone know why this would be is it the four negative account?

thank you in advance :-)
Message 1 of 20
19 REPLIES 19
HailtotheVictors79
Contributor

Re: DENIED CapOne

What card are you trying to get?

Message 2 of 20
blackedoutdodge
New Member

Re: DENIED CapOne

honestly I tried getting quite a few obviously on separate times even went as far as applying for the secured card and got turned down for that....I don't know is it because I have open dispute or because I have two accounts in collection into account charged off
Message 3 of 20
HailtotheVictors79
Contributor

Re: DENIED CapOne

Somethings up in you can't even get a secured card from them, call and do some recon. That is the only way you will know for sure.

Message 4 of 20
blackedoutdodge
New Member

Re: DENIED CapOne

Ok thanks
Message 5 of 20
BePositive
New Contributor

Re: DENIED CapOne

Hi, what is your utilization on your cards? Also what baddies do you have? 



Current Scores: EQ 680, TU 698, EX 698 - MyFico
Message 6 of 20
blackedoutdodge
New Member

Re: DENIED CapOne

utilization is about 10% and I have 2 charged off 2 collections to break it down Verizon 300Wachovia 450First Premier Bank 350 and Anytime Fitness 300 all are in open dispute with TransUnion
Message 7 of 20
mongstradamus
Super Contributor

Re: DENIED CapOne


@blackedoutdodge wrote:
utilization is about 10% and I have 2 charged off 2 collections to break it down Verizon 300Wachovia 450First Premier Bank 350 and Anytime Fitness 300 all are in open dispute with TransUnion

Those two charge off collection is probably what is hurting you the most. Are they paid or unpaid collections? I would try to address the collections to see if you can GW or pfd them off your credit report. 



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 8 of 20
coldnmn
Mega Contributor

Re: DENIED CapOne

Your AAoA with 16 cards and credit history of 11 months is less than a month. That and the charge offs. The only thing I see that can help you is gardening your current cards and let your TLs and inquiries age at least a year. Credit is a journey not a race. Right now you look desperate for credit to the card companys and they don't want to go down with the ship.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 9 of 20
gh17
Frequent Contributor

Re: DENIED CapOne


@coldnmn wrote:

Your AAoA with 16 cards and credit history of 11 months is less than a month.


 

How are you getting to that?  If he opened them all 11 months ago, his average age is 11 months.  If he opened two 11 months ago and the rest two months ago, then his average age is 3.25 months.  Depending on his exact history, it might be short, but unless he got most of the cards like today, it's longer than a month.

BofA Cash Rewards 25,000 (2009) | Citi Double Cash 25,000 (2011) | Cap1 Quicksilver 10,000 (2013) | Discover It 31,000 (2014) | Chase Freedom 9000 (2014) | Barclaycard Rewards 25,000 (2014)

FICO: 840 Discover/Barclays/BofA TU, 869 Citi Equifax
Message 10 of 20
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