helpppppp PLEASE

[xxbrilovelyxx]

Question? I am trying to build up my fico score. I am currently at 620 however only Victoria secret seemed to only accept me hence I only have one credit card.

when I got denied by various cc it says I have a delinquency?? What does this mean exactly? I have unpaid bills? Or debt?

[Primevci]

What does your credit report say

[twall06]

Have you checked your reports to see what it is saying is delinquent?

[xxbrilovelyxx]

no i havent have of yet. All i am going off of is based on the infromation my denial letter sent me

[twall06]

It could be any kind of acct if you dont know I would check .

[xxbrilovelyxx]

But to pay 20$ a month just to check my score.. urrgh is it really worth it? What are some good sites to check my score at from all 3 bureaus

[Flamenco007]

Try to pull your credit report on freecreditreport dot com or some other source. Only if you know what's on the report do you know how to proceed

[xxbrilovelyxx]

no.. i do not . i am a newbie to this all but i will try

[InvincibleSummer3]

You can get a copy of your report for free - there should be instructions on your denial letter. If you are turned down for credit, you can get a copy of whatever report the lender used to make that decision. Which reporting agency did this lender use? It should be either Equifax, Experian, or TransUnion.

Also, if you go to AnnualCreditReport.com you can get one free copy from each of the Big Three bureaus. But I would suggest you run with the one from your denial letter first.

[twall06]

It's worth it to see what is holding you back you could get your free annual reports they don't come with scores but you can see what is on them.