Frequent Contributor
lessismore2014
Posts: 404
Registered: ‎06-11-2008
why can't I get a CC?
FICO scores TU =696 & EQ=689 EX I don't know. I have an old 2007 credit card closed & positive and my mortgage. TU shows 1 pd negative acct from 2005. Why don't I qualify for a card? i tried Lowes, Walmart got the 7-10 days message and I aaplied at Kays cuz my phone# didn't match what is on my CR I got turned down so I tried Jared's got letter message.
Moderator Emerita
LilMirth
Posts: 3,091
Registered: ‎08-09-2008
Re: why can't I get a CC?

mnegron1969 wrote:
FICO scores TU =696 & EQ=689 EX I don't know. I have an old 2007 credit card closed & positive and my mortgage. TU shows 1 pd negative acct from 2005. Why don't I qualify for a card? i tried Lowes, Walmart got the 7-10 days message and I aaplied at Kays cuz my phone# didn't match what is on my CR I got turned down so I tried Jared's got letter message.

 

Have you tried a secured card? Sometimes, it's getting over the hump of getting the first one that's the most difficult part of building credit with revolving accounts. Secured cards are a great way to get your foot in the door, avoiding the excessive fee cards as well. And, despite what seems to be a well-established fear, "secured cards" (even if they report to your credit report that way) aren't counted with lesser weight.

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Frequent Contributor
lessismore2014
Posts: 404
Registered: ‎06-11-2008
Re: why can't I get a CC?
Thank you i will look into that
Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008
Re: why can't I get a CC?

Did you recon any of these declined apps?

 

Sometimes it is merely the need to verify info or to provide something more.

 

But secured is a good way to get started...go with a CU.

 

 

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09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549