Re: Low credit score
07-24-2012 03:02 PM
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.