topic Re: barclays denied in Credit Cards

denied on every cc application

juniornj23 — Thu, 12 Jun 2014 19:32:34 GMT

Every cc I apply got me denied

OP,

I merged your threads together as they are similar. In the future, please refrain from posting duplicate/similar threads.

Thank you~ Lexie, myFICO Moderator

Re: denied on every cc application

Anonymous — Thu, 12 Jun 2014 14:36:44 GMT

it happens, what are the reasons they are giving you for denial?

Re: denied on every cc application

Anonymous — Thu, 12 Jun 2014 14:52:35 GMT

And if you keep applying it will get worse, as HPs go up and you look like you are desparate for credit. As johnXXXX says, what are the reasons, and you need to address them.

Re: denied on every cc application

Hightechredneck — Thu, 12 Jun 2014 14:57:23 GMT

How about a little more info? Did you pull your scores? any baddies? What is your past history? A little more info and maybe we can help.

Re: denied on every cc application

Dw4250 — Thu, 12 Jun 2014 15:06:50 GMT

Stop apping. Get the denial letters back. Review the reasons why you are being denied.

Pull your reports (you get a free one with each denial). My guess is something (or more than one thing) is on there that is causing the denials.

Re: denied on every cc application

Creditaddict — Thu, 12 Jun 2014 15:08:59 GMT

what credit cards do you currently have?

baddies on your report?

what were you denied for?

Re: denied on every cc application

juniornj23 — Thu, 12 Jun 2014 15:14:41 GMT

Well all my credit card are 0 balance

TU 651

EQ 611

Ex 626

I do have a charge off from macys 550

Tmobile collection with afni 330

Dish network collection with midland for 350

No late payments in the last 4 years

11 HP that is crazy

Capital one 500 - o balance

Credit one bank 1050 -200 balance

Best buy 300 _o balance

First premier back 750 -0 balance

Any help also can the HP be deleted

Re: denied on every cc application

mongstradamus — Thu, 12 Jun 2014 15:19:33 GMT

@juniornj23 wrote:
Well all my credit card are 0 balance
TU 651
EQ 611
Ex 626
I do have a charge off from macys 550
Tmobile collection with afni 330
Dish network collection with midland for 350

No late payments in the last 4 years

11 HP that is crazy

Capital one 500 - o balance
Credit one bank 1050 -200 balance
Best buy 300 _o balance
First premier back 750 -0 balance

Any help also can the HP be deleted

You are proabably stuck with those hps ,you are just going to have to let them age. The other thing I would think about doing is see if you can do an pfd for those collections. That is probably the biggest reason for getting denied credit. The combo of 11 Hp and having 3 collections is what is doing you in. Out of those 11 Hps how recent were they ?

Re: denied on every cc application

chalupaman — Thu, 12 Jun 2014 15:20:19 GMT

I'd get all those charge offs paid and off your CR first and go from there. That's probably the biggest reason why lenders aren't extending you credit and rejecting your apps on the spot.

Re: denied on every cc application

PlasticOrPlastic — Thu, 12 Jun 2014 15:22:21 GMT

@juniornj23 wrote:
Well all my credit card are 0 balance
TU 651
EQ 611
Ex 626
I do have a charge off from macys 550
Tmobile collection with afni 330
Dish network collection with midland for 350

No late payments in the last 4 years

11 HP that is crazy

Capital one 500 - o balance
Credit one bank 1050 -200 balance
Best buy 300 _o balance
First premier back 750 -0 balance

Any help also can the HP be deleted

Those scores are generally pretty low, what are you apping for? HP's cannot be deleted unless obtained without your permission (fraud, ID theft, etc). I'd work on getting those collections paid off, they are probably hurting you pretty bad. Have you tried for CLI's with current cards? Those CL's are pretty low right now.

Re: denied on every cc application

Creditaddict — Thu, 12 Jun 2014 15:22:26 GMT

@juniornj23 wrote:
Well all my credit card are 0 balance
TU 651
EQ 611
Ex 626
I do have a charge off from macys 550
Tmobile collection with afni 330
Dish network collection with midland for 350

No late payments in the last 4 years

11 HP that is crazy

Capital one 500 - o balance
Credit one bank 1050 -200 balance
Best buy 300 _o balance
First premier back 750 -0 balance

Any help also can the HP be deleted

1. no you can't delete HP's

2. you are already working with a service about the 3 collections and chargeoffs and I suggested in your other thread that you contact them yourself about settling, as I said in that thread its my experience that i was declined from almost everyone while I had unpaid collections but as soon as they were marked paid, even settled I was able to start obtaining new credit.

until then you need to stop applying because it's a total waste

barclays denied

juniornj23 — Thu, 12 Jun 2014 18:51:39 GMT

I was denied by barclays
So I did call and they said because I have a collection
And a charge off unpaid my question is will be approved after pay the charge off

Looking to gwt a really creative card

Re: barclays denied

CenturyChild — Thu, 12 Jun 2014 18:59:19 GMT

Paying it off will help in manual review but it will also depend on how old it is. The older the better.

Re: barclays denied

juggalo9er — Thu, 12 Jun 2014 19:01:53 GMT

denied which card? i have a 27 month old chapter seven and have 2 cards through them

Re: barclays denied

injustifiiable — Thu, 12 Jun 2014 19:19:41 GMT

Definitely in your favor if it's older...they approved me with a collection but it was three plus years old...

Re: barclays denied

s73guy — Thu, 12 Jun 2014 19:21:13 GMT

Same for me...I had a ch7 bk and got the BJ's Visa issued through Barclays about 1 1/2 years after bk. Then I got the Apple financing Visa after that. I had some credit built up from Cap One at the time of approval.