+1 the replies
IMHO, same reply as earlier. Slow down and let these cards age. And were you thinking of applying to NFCU next month? I would give it, at least six months to a year before applying again. Every time you apply, they pull another credit report, so that is even more inquiries that they were denying you for. It takes a year for those to age off. And two years to completely fall off. I don't know if paying off deferred student loans would help since it wasn't one of the denial reasons. It might help in other ways however. If I were you, I would read more on the rebuilding forum and stay in the garden for a year. Good luck and hope to see you around!
It is so tempting to keep applying, but you are just hurting your future chances with HP. Please consider the advice in the thread and wait. It will happen eventually. Best of luck to you. 
@Anonymouswrote:
Thanks! I agree. I reapplied anyway lol( I so need to work on my patience - YES you do lol)...of course I was denied again but really wanted to know the reasons for my denial immediately rather than waiting for them to come in the mail This is bad because you could have waited for the letter rather than getting ANOTHER HP on your credit. I reconned and was denied and was given denial reasons through secured message( Want to work on them asap). Denied due to limited credit experience, too many inquiries,rations of accounts opened in 24 months, utilization of bank cards. I paid my Walmart card to 0 balance - Good!! but for some reason it's reporting a balance of $1000 out of 3500. I'm assuming I had pending transactions that posted after my statement cut😖😩 Most likely. Then Walmart increased it to 5000 and Amazon was increased to 6000 credit limits. Two questions. As I mentioned I have 19000 in student loans ( deferred). If I made a large payment of 15000 or more,will that increase my chances of being approved for cloc - It can and can't, but it will look good on your profile showing less debt. I'm not trying to rack up a bunch of debt because I don't need the money,just a better credit profile. Will my recent cli increases better my chances of reapplying next month when they report - This will only help to MAYBE get a high CL from other lenders but not really for the approval itself. I hear nfcu is very picky when it comes to utilization and DTI. Or maybe I should just work on the reasons for denial. Opinions needed please. We gave you advice and you disobeyed lol (jk). Work with what you have, let all your cards report $0 balance except for one. You need to have a laon on your profile, the student loans are helping so dont pay to $0, ok to make a $15k payment and pay the rest monthly 'til $0 balance. Good luck
See above in red.
You have a nice mix of credit right now. I would just garden for 1 year since you have been apping. Just know Navy loves to pile on the hard pulls for each card(CLI's) and CLOC at every spree. Those can add up to a lot of INQ's. The garden thread is good and so is the rebuilder's one for information on how to work on your lates and other baddies. Its a marathon not a sprint.
