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mnegron1969 wrote:
FICO scores TU =696 & EQ=689 EX I don't know. I have an old 2007 credit card closed & positive and my mortgage. TU shows 1 pd negative acct from 2005. Why don't I qualify for a card? i tried Lowes, Walmart got the 7-10 days message and I aaplied at Kays cuz my phone# didn't match what is on my CR I got turned down so I tried Jared's got letter message.
Have you tried a secured card? Sometimes, it's getting over the hump of getting the first one that's the most difficult part of building credit with revolving accounts. Secured cards are a great way to get your foot in the door, avoiding the excessive fee cards as well. And, despite what seems to be a well-established fear, "secured cards" (even if they report to your credit report that way) aren't counted with lesser weight.
Did you recon any of these declined apps?
Sometimes it is merely the need to verify info or to provide something more.
But secured is a good way to get started...go with a CU.