@Anonymous wrote:
So applied for the venture rewards.
Denied. Tried again 30 days later after my utilization went from 32 to 22 percent ect...
denied again!?
i have decent scores.
Equifax 688 Transunion 705 experian 698
i don't get it.
i froze equifax.. Is that why?
also the last denial reason was because of too many inquiries. I have 23 but only 5 of those are ones from cards. I recently loan shopped.
Any advice?
dont wanna just let this hard inquiry go to waste.
Last time ire I didn't get triple pulled so I'm sure they didn't this time thank goodness.
The freezing part might be it. I've been denied a bunch of times for these CapOne cards and I've had EX frozen each time. Last year when I got my Journey card, I didn't have anything frozen.
Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500
Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
