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@Booboo71 wrote:52400
1800
Mine $20k with authorized accounts $ 48k (roughly)
boa123 5k, macys1200, bloomingdales 1200, capital1secured 500, sony 500, gte visa 800, usbank 300 secured, care credit 3k, lowes 5k, tjx300, oldnavy200, gap 200,
smart connect 400, walmart 700, express 250, coldwater creek 700, kohls 300. Authorized on husbands united mileage 17k, amex hilton honors 2.5 and dillards amex 2800
34 inquires on equifax age too many this year bulk in November / dec
rebuilding since November 2012 started at 524 equifax
Now lowered to 1 year was at 2.2 years
Debt/income. Vw credit on audi losing is one year my husband put large payment down for me because my vw jetta was upside down slightly because it was under 1 year and my score was at 580ish at the time.
shall I give my blood type Also??? Lol. J/k
Looks like that's your problem. Too many inq's, new TLs on a rebuilding credit profile.
A bk is a serious derog and the mere prescence on your CR's will make you look more at risk plus the high inq's and new TLs to a conservative lender is a red flag.
I know now I cannot app for anything it's instant denile because of my inquires... My income is 52400 that's not including my husband . My husband keeps telling me I have to pay the car off faster then what is given to me and stop applying for cards.. I just want my own discover, chase and amex is the ultimate for me.
I'm a female not a man. I'm the original poster.
Hi Lexie .. I don't have a bankruptcy. Only crazy inquires and a few collections
@Booboo71 wrote:Hi Lexie .. I don't have a bankruptcy. Only crazy inquires and a few collections
That is what I get for skimming!
The first part of my post still stands; too many inq's/TLs for a conservative lender
So if being an authorized user on my husbands chase united, amex and dillards is that hurting me
@Booboo71 wrote:So if being an authorized user on my husbands chase united, amex and dillards is that hurting me
What were the reasons given by Discover?
Collections and inquires