Odd Denial letter.

[FixMyCredit1992]

Fico is in, for the very 1st time. 573. 

Ran a prequal through credit one.

Key factors that adversely affected your credit score:

• Balances and limits/loan amounts too high, not being reported, or reported as 0

Ok, that one I know.

• Insufficient length of credit history.

I have 6 months, so not sure why it says that.

• Insufficient number of revolving accounts

Um...I have A fingerhut charge card, a wells fargo charge card, and a VS charge card, is 3 not enough? I have 4 if you count the current closed duck card.

• Insufficient number of accounts paid as agreed.

Same thing, except for one collection, all are paid as agreed, no lates.

[FixMyCredit1992]

BTW, is there any thing I can get at 573, minus secured, or should I keep working on it?

[09Lexie]

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@FixMyCredit1992 wrote:

Fico is in, for the very 1st time. 573. 

Ran a prequal through credit one.

Key factors that adversely affected your credit score:

• Balances and limits/loan amounts too high, not being reported, or reported as 0

Ok, that one I know.

• Insufficient length of credit history.

I have 6 months, so not sure why it says that.

Are they all reporting for 6 months?

 Insufficient number of revolving accounts

Um...I have A fingerhut charge card, a wells fargo charge card, and a VS charge card, is 3 not enough? I have 4 if you count the current closed duck card.

• Insufficient number of accounts paid as agreed.

Same question

Same thing, except for one collection, all are paid as agreed, no lates.

If fewer than 3 of your accounts are reporting for 6 months and you have a collection, you would have insufficient number of accounts paid as agreed.

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Moving to Gen Credit

[Jerzee123]

when i applied for the Pre-Qualify CreditOne card  while on the Credit karma site i was denied too... but then 3 weeks later i went to the actual Credit One website and was approved in 10sec,,and my score was 571 TU at the time ,, and I had 2 Neg collections, , Cap1secured and 1 retailCC..