Cant get approved

[Anonymous]

Hello everyone! I hope whoever is reading this is having a great day. I have a problem and was wondering if anyone could offer me advice or a a bit of clarity.

I have been on a credit repair journey for an entire year. Started off in 500 and after disputing, writing letters, and staying ontop of my credit I am at around 733 across the board. So, this is what Ive been waiting for ( i can do an app spree)...now its time to get cards right? But I can not get approved for one single card only secured. I have a year of all ontime payments and I have one collection that I paid off and cant get deleted but other than that I have a clean slate. Why am I getting rejected by everyone and even loans? I even tried to get a sub par card to see if I was tripping...That even got rejected! Am I missing something? Please help. I have been searching for 2 months for this answer and still cant understand why? Is there someone on this board I can pay to look into my credit profile to help me solve this problem? I have had many things removed by disputing...is this still showing and is this why I am getting rejected by everything? I make a great living (over 6 figures a year) so income isnt a problem.  Also I am in chex systems for overdrafts...is this why? Is my fraud alerts cauisng automatic rejections? So many questions with no answers. Please help. 

-Jay

[PointsBonus]

I recommend this -
1. Apply for the AMEX GOLD CHARGE CARD - You do have to pay it in full every month.
2. If you are approved for the card within 15 min apply for the AMEX DELTA GOLD CREDIT CARD.

They will approve you for 1 charge and 1 Credir card on 1 hard pull . Then sit back and watch it bloom.

<Mod edit:  We can't promote referrals on myFICO.  --UB>

Can you tell I like American Express ?

[Anonymous]

@viper

Thanks for this. quick question, I have applied to 2 amex wihin last 2 weeks...both denied. Should I still apply for this charge card that you suggested?

[Anonymous]

Have you tried Discover? They like thin files I have heard. 

[CreditInspired]

Ok, something is definitely going on, so let’s try to figure it out.

First, go to www.annualcreditreport.com and get your free credit report. Scan them with a fine tooth comb to ensure they’re accurate and nothing is on there that you forgot about or overlooked.

Second, STOP applying for credit. You’re in a domino effect of declines. Declines begat declines.

Third, how many inquiries do you have in the last 3 mos, 6 mos, 9 mos, 12 mos?

Fourth, what are your 3 scores? You say ~733, but your tagline says something different.

Fifth, how many accounts do you have and how many with balances?

Sixth, What is your year of on time payments — bank cards, store cards, installment loans? Are they minimum payments?

And finally, what is your UT across the board and for individual cards?

[jdbkiang]

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@Anonymous wrote:

Hello everyone! I hope whoever is reading this is having a great day. I have a problem and was wondering if anyone could offer me advice or a a bit of clarity.

I have been on a credit repair journey for an entire year. Started off in 500 and after disputing, writing letters, and staying ontop of my credit I am at around 733 across the board. So, this is what Ive been waiting for ( i can do an app spree)...now its time to get cards right? But I can not get approved for one single card only secured. I have a year of all ontime payments and I have one collection that I paid off and cant get deleted but other than that I have a clean slate. Why am I getting rejected by everyone and even loans? I even tried to get a sub par card to see if I was tripping...That even got rejected! Am I missing something? Please help. I have been searching for 2 months for this answer and still cant understand why? Is there someone on this board I can pay to look into my credit profile to help me solve this problem? I have had many things removed by disputing...is this still showing and is this why I am getting rejected by everything? I make a great living (over 6 figures a year) so income isnt a problem.  Also I am in chex systems for overdrafts...is this why? Is my fraud alerts cauisng automatic rejections? So many questions with no answers. Please help. 

-Jay

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You don't have to pay us, but if you feel comfortable, simply post a message with all relevant information such as your current credit score, any baddies, # of inquiries across the 3 bureaus, any loans, any currently open credit lines, CL, any other circumstances that could be related, and with as many dates for the above as possible. With the above, I'm sure we can figure out what's going on and get you up and going! 

[Anonymous]

 Thanks a million! Below is my report

 Amex (AU)  Bal $744 revovling

Cap One Fin $34,250 installment

Cap 1 $744 (%54 CU)

Navient $166 revolving

navient $90 revolving
Discover $84 ( 17 % CU)
MAJR FINANCIAL CORPORA	$0	$5,000	0%	Revolving	Current	Nov 1, 2017
ONEMAIN	$3,635	-	-	Installment	Current	Mar 1, 2018
SYNCB/CARE CREDIT	$0	$5,000	0%	Revolving	Current	Oct 1, 2018
TBOM/MILESTONE	$44	$300	15%	Revolving	Current	Sep 1, 2017

[Anonymous]

@creditinspired Thanks for help. My credit score has change since I did my signature. Im new here, not real savvy yet, so havent had chance to change it.

I have 10 inquiries now... 5 new ones just this month and only Credit Care was approved.

I havent paid one bill late in the last 12 months. Anything  had that showed late prior has been disputed and erased.

I have one collection that I paid from LJ Ross that Im currently working with a lawfirm to remove.  I have a charge off that has been paid as well from Fingerhut that I had  15 years ago, but they put sold it to another company 4 years ago.

[jdbkiang]

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@Anonymous wrote:

@CreditInspired Thanks for help. My credit score has change since I did my signature. Im new here, not real savvy yet, so havent had chance to change it.

I have 10 inquiries now... 5 new ones just this month and only Credit Care was approved.

I havent paid one bill late in the last 12 months. Anything  had that showed late prior has been disputed and erased.

I have one collection that I paid from LJ Ross that Im currently working with a lawfirm to remove.  I have a charge off that has been paid as well from Fingerhut that I had  15 years ago, but they put sold it to another company 4 years ago.

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How many late payments do you have from before this year? So 10 inquiries, 2 collections, a relatively large loan compared to your other lines of credit. Anything else? 

[Anonymous]

If the 733 score you list is a FICO score than my next question is what is your income and how long have you been employed at your current job. 733 should be enough to get you any card.