Can't Get Approved for a Credit Card

[Anonymous]

I have applied for the suggested Credit Cards for Fair Credit however every application is denied. Is there something that I am doing wrong? I don't have bad credit just a low score. Do anyone have any suggestions? Could there be something going on with my credit that I am unaware of?

[willwar14]

What are your FICO scores? Baddies?

[creditguy]

Do you have any current credit cards? do you have any past positive TL's on your reports? You may not have bad credit in the sense a person with collections or CO's has, but in the eyes of a lender a low score looks the same. No credit can be hold you back as much as bad credit. Provide a little more info on your history and we can offer more advice. 

[Anonymous]

Equifax 629

Transunion 625

Experian 601

[Anonymous]

Have you tried for a secured card? After my Chapter 13 that is what I did. After eight months I was able to get an unsecured card. 

[Anonymous]

I don't have any Credit Cards only installment loans, that are all paid on time.

[Anonymous]

I have not tried the secured card, I was considering opening one up with my bank. Would this work the same as a traditional credit card? I am trying to increase my score.

[Anonymous]

Have you tried Capitol one? Your scores were higher than mine when I appd and was approved. Mine was in the low 500s and they gave me a secured card and quicksilver one.

[Anonymous]

Not knowing a whole lot about your finances and employment, I would say though that continuous denials aren't helping, just wasted hard pulls at this point.  For whatever reason, at this point I would get a secured card.  With proper use, that secured card will increase your credit score dramitically over time and open the door for better cards.  

[Anonymous]

I did try with them this past Friday and was not approved. I really don't know what the problem could be. I did have a fraud alert on my credit report at one point, I am unsure if it is still active or not. Could this be the cause of application denials?