topic Re: Can not get approved need help!!!!!!! in Rebuilding Your Credit

Can not get approved need help!!!!!!!

Anonymous — Wed, 28 Mar 2018 21:12:31 GMT

Hi I recently check my credit report I have around 675 638 680 but I have 4 item in collection which is under $1500 and 9 inquiry (but some inquiries I don’t recognize) I’m having trouble figuring out why I can’t get approve for anything

Re: Can not get approved need help!!!!!!!

Anonymous — Wed, 28 Mar 2018 22:52:57 GMT

You will need to pay your collections first and get them out of your way. Try writing PFDs to CA and if you are lucky they will accept it. Creditors don't like to see accounts still in collection and not paid.

Also 9 inquiries is a lot, you need to slow that down. So many inquiries shows creditors that you are constantly seeking credit.

If you are saying you don't recognize some of the inquiries you should dispute that with credit bureaus and get them removed.

Re: Can not get approved need help!!!!!!!

Anonymous — Thu, 29 Mar 2018 03:29:38 GMT

@Anonymouswrote:
Hi I recently check my credit report I have around 675 638 680 but I have 4 item in collection which is under $1500 and 9 inquiry (but some inquiries I don’t recognize) I’m having trouble figuring out why I can’t get approve for anything

Are those Fico score? What have you applied for and been denied? You can always start with secured cards. Also there's Open Sky and they don't do credit checks.

Re: Can not get approved need help!!!!!!!

Anonymous — Thu, 29 Mar 2018 23:06:01 GMT

Try capital one as a secured card and build from there. I would look into the inquiries to see if they were possibly from a creditor you owe and dispute the ones that are not truly yours.

Re: Can not get approved need help!!!!!!!

Anonymous — Fri, 30 Mar 2018 01:30:18 GMT

Do you have any positive tradelines?
What else is on your credit besides 4 negatives? Are those FICO scores?

Re: Can not get approved need help!!!!!!!

fishbjc — Wed, 04 Apr 2018 01:26:20 GMT

You are not ready for new tradelines. NINE inquiries can spook a creditor. And those collections...unpaid? NOT GOOD.

Start with AMEX Secured....easy win. Spend a little bit and pay it. Do NOT miss a payment. Let some time pass with those new inquiries. STOP APPLYING FOR CREDIT. Work on those collections. After you've cleaned up some of this, return to ask for next step.

Re: Can not get approved need help!!!!!!!

Anonymous — Wed, 04 Apr 2018 01:37:22 GMT

@fishbjcwrote:
You are not ready for new tradelines. NINE inquiries can spook a creditor. And those collections...unpaid? NOT GOOD.

Start with AMEX Secured....easy win. Spend a little bit and pay it. Do NOT miss a payment. Let some time pass with those new inquiries. STOP APPLYING FOR CREDIT. Work on those collections. After you've cleaned up some of this, return to ask for next step.

I've never heard of Amex secured.