So thinking my score had improved somewhat to hit a few lower tier and/or store cards I did a little apping last week & am starting to get all my denials in.
This one from Lowe's has me a little puzzled:
1. serious delinquency and public record or collection filed
2. number of accounts with delinquency
3. time since derogatory public record or collection
4. length of time revolving accounts have been established
5. number of inquiries on credit report
I understand #1-#3 are pretty much related to the same thing. Nothing I can do about them but wait and wait some more and try more GW letters. All my collection accounts have been paid in full. Sounds like I have no shot for years and years to come at getting another CC.
#4 puzzles me because prior to this app I pulled my TU report/score from this site and it shows my AAOA at 4+ years and my oldest account at 11+ years (not really accurate because for some reason my student loan with Sallie Mae is no longer reporting & I'm checking on that) Granted that's not super long but it doesn't sound like I have a short history like they are trying to imply.
#5 this one really throws me because I had exactly one inquiry on my TU when I apped for Lowe's and I can't see them being that inquiry sensitive
I know each place that GEMRB backs has different criteria, but they've actually approved me for 2 other CC that I apped after Lowe's. Also interesting that they pulled TU for Lowe's and EX for another card that I apped a couple days after.
Starting Scores 10/12: EQ 460 (FICO)/TU 502 (FAKO)/EX 474 (FAKO)
(7/14): EQ 572 (FICO)/TU 624 (FICO)/ EX 612 (FICO)
Current (2016): EQ 605 (FICO)/TU 657 (FICO)/EX 646 (FICO)
