New Member
Grandgran
Posts: 8
Registered: ‎05-24-2012
Re: Low credit score

We have been denied because of debt ratio.  All bills are paid on time and usually ahead of due date.  i only have one ding at this time for late payment.  This is Home Depot. I signed up with them for paper billings but it went to email billings.  I did not see the bill and therefore I was late.  I filed a complaint with them just recently.  I/we have had store credit cards which we recently closed.  I have a JCP credit card that I have requested a lower credit limit and a freeze on any further credit increases.  I show many inquiries on my credit report as I was working on a job where I had to use my personal information on credit.    This is a total overload on my side of credit reporting.