denied on every cc application

[Creditaddict]

---

@juniornj23 wrote:

Well all my credit card are 0 balance 

TU 651

EQ 611

Ex 626

 I do have a charge off from macys 550

Tmobile collection with afni 330

Dish network collection with midland for 350

No late payments in the last 4 years 

11 HP that is crazy

Capital one 500 - o balance

Credit one bank 1050 -200 balance 

Best buy 300 _o balance

First premier back 750 -0 balance 

Any help also can the HP be deleted 

---

1. no you can't delete HP's

2. you are already working with a service about the 3 collections and chargeoffs and I suggested in your other thread that you contact them yourself about settling, as I said in that thread its my experience that i was declined from almost everyone while I had unpaid collections but as soon as they were marked paid, even settled I was able to start obtaining new credit.

until then you need to stop applying because it's a total waste

[juniornj23]

I was denied by barclays
So I did call and they said because I have a collection
And a charge off unpaid my question is will be approved after pay the charge off

Looking to gwt a really creative card

[CenturyChild]

Paying it off will help in manual review but it will also depend on how old it is. The older the better.

[juggalo9er]

denied which card? i have a 27 month old chapter seven and have 2 cards through them

[injustifiiable]

Definitely in your favor if it's older...they approved me with a collection but it was three plus years old...

[s73guy]

Same for me...I had a ch7 bk and got the BJ's Visa issued through Barclays about 1 1/2 years after bk.  Then I got the Apple financing Visa after that.  I had some credit built up from Cap One at the time of approval.