topic Re: I cannot get approved for any credit card in Credit Cards

I cannot get approved for any credit card

Anonymous — Sat, 08 Dec 2007 18:57:23 GMT

Credit Scores TransUnion 593 Experian 629 Equifax 591

INQUIRIES : TransUnion 3 Experian 5 Equifax 4

I have an auto loan for $21341 through ford credit. From July - November. PLEASE HELP! ME I WANT TO GET MY SCORES INTO THE 700's. PLEAsE LET ME KNOW WHATS SOME GOOD CARDS THAT I CAN GET APPROVED WITH.

Re: I cannot get approved for any credit card

Anonymous — Sat, 08 Dec 2007 19:08:24 GMT

What are the recent baddies on your report and how recent are they? Wht cards are you trying to apply for? No offense but you definitely won't get Amex with those scores. Improving your scores is kinda like trying to eat an elephant the best way. One spoonful at a time.

Re: I cannot get approved for any credit card

Anonymous — Sat, 08 Dec 2007 19:34:13 GMT

Thats the bad thing about it all i have is

Consumer Statement

Experian: 06& 10-15-07 0000000 ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY # OR EVENING . THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 10-15-07.

Equifax: FRAUD VICTIM. "EXTENDED ALERT". CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME #
TransUnion: #HK#EFCRA-EXTENDED FRAUD ALERT: ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC

TransUnion: OUNT. CONTACT CONSUMER AT #

TransUnion: #HK#IFCRA-INITIAL FRAUD ALERT: ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO

TransUnion: UNT. CONTACT CONSUMER AT #

and ... i owe fingerhut which only reports to equifax 100.00 out of 160.00 spending limit please help..... I removed the alerts and they reappeared on my report...

Message Edited by source1one on 12-08-2007 11:34 AM

Re: I cannot get approved for any credit card

Anonymous — Sat, 08 Dec 2007 19:29:30 GMT

source1one -

If those are your real phone #s, you should edit your msg & remove them

Re: I cannot get approved for any credit card

Anonymous — Sat, 08 Dec 2007 19:37:00 GMT

You might be able to get a secured card like the one Bank of America offers. It's optimal to paying all sorts of made up fees by subprime CCCs.

You could try prequalifying on the BoA website.

Re: I cannot get approved for any credit card

Anonymous — Sat, 08 Dec 2007 19:40:36 GMT

what is BoA

Re: I cannot get approved for any credit card

Anonymous — Sat, 08 Dec 2007 19:40:49 GMT

Yeah it looks like you tried to mask your phone number by using that (999) area code but you missed that last one. Personally, I would just put in (555) 555-5555.

As far as the credit card issue. Are you saying that you can't be apporved because of the fraud alert status on your account or have you been given other reasons? I know that I have 4 cards and have high util on them but otherwise my credit is good. Up until recently I thought it didn't matter because my income is so much higher than the balances I owe on the cards so who cares if I opt to keep high balances and just pay it down 200 when I need to spend 200 on the card. Obviously I know this is wrong now. But I have been denied recently because of this high util.

Are you trying to get a first card? If you have a card(s) already does it (they) have high util?

Re: I cannot get approved for any credit card

Anonymous — Sat, 08 Dec 2007 19:41:54 GMT

If the fraud alert is the issue I would go to BoA (bank of america) or Capital one or chase at the actual locations and apply. This fraud alert migh be keeping you from getting online approval

Re: I cannot get approved for any credit card

Anonymous — Sat, 08 Dec 2007 19:44:49 GMT

I tried chase freedom and they denied me. And i have an account with them.... And yeah this will be my first major credit card....

Message Edited by source1one on 12-08-2007 11:44 AM

Re: I cannot get approved for any credit card

Anonymous — Sat, 08 Dec 2007 21:34:23 GMT

Source a fraud alert on your file will prevent you from getting credit without a photo id. Call to see why you were declined. Usually you will receive written notice. BTW the Chase freedom etc.. tht your are going for, you will not get with those scores...FWIW

Message Edited by Brammy on 12-08-2007 04:34 PM

Re: I cannot get approved for any credit card

pattycake — Sat, 08 Dec 2007 21:57:12 GMT

Also try Orchard Bank. They approve just about anyone, but you probably will have to jump a few hoops to get approval with those fraud alerts. Good luck.

Re: I cannot get approved for any credit card

Anonymous — Sat, 08 Dec 2007 22:04:40 GMT

pattycake wrote:
Also try Orchard Bank. They approve just about anyone, but you probably will have to jump a few hoops to get approval with those fraud alerts. Good luck.

Patty is definitel right here. you are going to have to establish some history before you can swim with the big fish. Just stay awy from those who charge things like monthly maintenance fees. If you have a local credit union, you can try there with a small limit of even 500.00.

Re: I cannot get approved for any credit card

SmartCookie — Sun, 09 Dec 2007 07:11:50 GMT

Before you do anything, get your fraud alerts corrected if they put them back on in error.

Then have fingerhut report your correct CL, and recon all of your denials.

You should have no trouble getting a Cap1 card but fix the problem first so you don't overload on all those hard INQs.