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HELP!! I cannot get approved for anything

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Anonymous
Not applicable

Re: HELP!! I cannot get approved for anything


@Anonymous wrote:

Everything will work out for you if you dont get into a big hurry.

Everyone wants to have good credit so that they can have the

nicer things in life, but this takes time and patience !

 

My wife started out with a secured Capital One Platnum card, Now she has

Great credit and alot of Prime cards with Chase and Amex.

( She still has the secured Cap1 card ) and wouldnt have come this far without it !

I wish you the best of luck !


Tried cap one secured and it was denied, rather said it needed processing. I just do not understand why they keep denying me. Carvana was the only company to give me a chance with an auto loan. I have paid it every month on time and that still isnt good enough. 

Message 21 of 31
Brian_Earl_Spilner
Credit Mentor

Re: HELP!! I cannot get approved for anything


@Anonymous wrote:

@Anonymous wrote:

Everything will work out for you if you dont get into a big hurry.

Everyone wants to have good credit so that they can have the

nicer things in life, but this takes time and patience !

 

My wife started out with a secured Capital One Platnum card, Now she has

Great credit and alot of Prime cards with Chase and Amex.

( She still has the secured Cap1 card ) and wouldnt have come this far without it !

I wish you the best of luck !


Tried cap one secured and it was denied, rather said it needed processing. I just do not understand why they keep denying me. Carvana was the only company to give me a chance with an auto loan. I have paid it every month on time and that still isnt good enough. 


Processing is fine. You'll know if you got approved when they pull the money out of your account in a few days. Totally normal.

    
Message 22 of 31
Anonymous
Not applicable

Re: HELP!! I cannot get approved for anything

Did the message re processing give you a day range? Like 7-10? Cause that can be a good thing. Smiley Happy

wrote:

@Anonymous 

 


Tried cap one secured and it was denied, rather said it needed processing. I just do not understand why they keep denying me. Carvana was the only company to give me a chance with an auto loan. I have paid it every month on time and that still isnt good enough. 


 

Message 23 of 31
Anonymous
Not applicable

Re: HELP!! I cannot get approved for anything

Try for a Kohls card as they will approve anyone.
Message 24 of 31
Anonymous
Not applicable

Re: HELP!! I cannot get approved for anything


@Brian_Earl_Spilner wrote:

@Anonymous wrote:

@Anonymous wrote:

Everything will work out for you if you dont get into a big hurry.

Everyone wants to have good credit so that they can have the

nicer things in life, but this takes time and patience !

 

My wife started out with a secured Capital One Platnum card, Now she has

Great credit and alot of Prime cards with Chase and Amex.

( She still has the secured Cap1 card ) and wouldnt have come this far without it !

I wish you the best of luck !


Tried cap one secured and it was denied, rather said it needed processing. I just do not understand why they keep denying me. Carvana was the only company to give me a chance with an auto loan. I have paid it every month on time and that still isnt good enough. 


Processing is fine. You'll know if you got approved when they pull the money out of your account in a few days. Totally normal.


I didnt get that far. They didnt ask for payment of any kind. 

Message 25 of 31
Anonymous
Not applicable

Re: HELP!! I cannot get approved for anything


@Anonymous wrote:
Did the message re processing give you a day range? Like 7-10? Cause that can be a good thing. Smiley Happy

wrote:

@Anonymous 

 


Tried cap one secured and it was denied, rather said it needed processing. I just do not understand why they keep denying me. Carvana was the only company to give me a chance with an auto loan. I have paid it every month on time and that still isnt good enough. 


 


Yes, 7-10 days, up to 15. 

Message 26 of 31
Anonymous
Not applicable

Re: HELP!! I cannot get approved for anything


@Anonymous wrote:
Try for a Kohls card as they will approve anyone.

Said i wasnt prequalified. Bummer. Guess they dont approve just anyone. 

Message 27 of 31
SweetCreditObsession
Valued Contributor

Re: HELP!! I cannot get approved for anything

I think it's the fraud alert and age. Cc companies got in big trouble after years of passing out cards on college campuses without vetting applicants.


(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023





Message 28 of 31
Anonymous
Not applicable

Re: HELP!! I cannot get approved for anything


@SweetCreditObsession wrote:
I think it's the fraud alert and age. Cc companies got in big trouble after years of passing out cards on college campuses without vetting applicants.

Okay i was thinking that might be the issue as well. Maybe ill just have to wait until december. 

Message 29 of 31
Anonymous
Not applicable

Re: HELP!! I cannot get approved for anything

Hopefully they just need to verify info. It could be just that you are new to credit, or it could be re the fraud alert you mentioned.

 

Don't apply for more cards till you know one way or the other. No more HPs!

 

I will keep you in my thoughts, sending positive vibes for approval.  Please be sure to let us know.

 

btw... Your Carvana history will be very helpful. 

 


@Anonymous wrote:

@Anonymous wrote:
Did the message re processing give you a day range? Like 7-10? Cause that can be a good thing. Smiley Happy

wrote:

@Anonymous 

 


Tried cap one secured and it was denied, rather said it needed processing. I just do not understand why they keep denying me. Carvana was the only company to give me a chance with an auto loan. I have paid it every month on time and that still isnt good enough. 


 


Yes, 7-10 days, up to 15. 


 

Message 30 of 31
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