Application Spree Denials

[NRB525]

Maybe utilization is the issue, but in June 2013 I got my AMEX Delta Gold card, $2k limit, when my utilization was 46% on open balances, $32k on $69k of available open cards. 49% utilization overall if you included the two closed cards.

Plus, OP's scores are in the mid-600. Are there current negatives in the OP file?

I also find it fascinating that OP has only credit union cards, and store cards, and zero cards from traditional CC lenders. And denied from Capital One, which is really strange. So I'm wondering what else is in the file that isn't yet talked about? Something is keeping all the regular banks at arms length here.

[missy42]

Actually I've talked about everything nothing to hide I had a car loan with Crap1 right after my BK 07, other than that no good relationship with Crap1 because I closed all those low lines of credit plus I really don't want them in my wallet just was shocked when I got the denial, yes it's my UTI and my BK 07 will drop off in 2017.  I have 3 lates but they are over 2.5 years old so other than that I have nothing. No worries keep watching me and in 2017 you'll see me shine, until then I was just sharing and learning!

[Anonymous]

that's a long time to make us wait!

[Anonymous]

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@Anonymous wrote:
that's a long time to make us wait!

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I loled!  I like having you on here man, this board reminds me of a mix of credit types, only with personalities instead.

[Anonymous]

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@missy42 wrote:

Actually I've talked about everything nothing to hide I had a car loan with Crap1 right after my BK 07, other than that no good relationship with Crap1 because I closed all those low lines of credit plus I really don't want them in my wallet just was shocked when I got the denial, yes it's my UTI and my BK 07 will drop off in 2017.  I have 3 lates but they are over 2.5 years old so other than that I have nothing. No worries keep watching me and in 2017 you'll see me shine, until then I was just sharing and learning!

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I want to thank you for sharing your experience.  Those are good data points that could help others in the future.  Far more often, we get lists like those of people exclaiming how they scored.  It can be beneficial to be aware of the yin that goes along with the yang. 

I agree with folks about the balances, but I also can relate from my pre-bk days when I had balances that I couldn't pay off/down on a whim(or at any point, obviously), so I try to be understanding when discussing balances and like to remind others that our situations are all different.  My best wishes to the OP and their commitment(that word reminds me of a mental hospital...now wait to see what it's linked to int he sentence) to the garden until sometime in 2017.   Hopefully you come out of it ok, and not like the Jack Nicholson character in One Flew Over the Cuckoo's nest.  

The balance thing can help along with gardening, but from my own experience of my only semi-spree(I'm not sure I've stopped it yet), it's very beneficial if you study threads on all of the cards you want to app for.  I have concerns over lenders which may ban us for bk, yet let others in with lower scores, less of a profile, etc.  You may be able to pick off one sooner than you think, and I want to encourage you to forgive cap1 the way they tend to forgive us, and allow them and their prequal app to help your credit journey.  You can consider it like spiteful fornication, if you must.  It may greatly benefit you to be open to using them as a stepping stone, evben if you dislike them.  Ok, I'm done preaching, and want to wish you the best!

[bk510]

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@NRB525 wrote:

Maybe utilization is the issue, but in June 2013 I got my AMEX Delta Gold card, $2k limit, when my utilization was 46% on open balances, $32k on $69k of available open cards. 49% utilization overall if you included the two closed cards.

Plus, OP's scores are in the mid-600. Are there current negatives in the OP file?

I also find it fascinating that OP has only credit union cards, and store cards, and zero cards from traditional CC lenders. And denied from Capital One, which is really strange. So I'm wondering what else is in the file that isn't yet talked about? Something is keeping all the regular banks at arms length here.

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I was thinking of samething....