So a little background on my situation, I have pretty much always had bad/low credit. I never knew how important your credit profile was until the last 5-8 yrs. The only credit card I’ve ever had was one about 12 yrs ago & it was one of those first premier type cards where they take fees off the top & your SL is like $75 (can’t remember the name of card) had a few repo’s a garnishment because of a repo, lots of medical bills and also about 9K in student loans. There was a point in time where I couldn’t even get a bank account! I had been paying for everything in cash & getting by w/ prepaid cards.
Fast forward to the last year & a half. I was able to get a bank account 2 of them actually, heard about the student loan rehab program & just finished that at the beginning of April. Everything has fallen off my report except the student loans (now showing current but also shows the same accounts as negative or “unknown”) & my TU still shows 1 repo. My EX also shows 2 hospital for $115 each. I also have a car loan started in Dec 17 that shows on all 3 reports paid on time for these few months. I started watching my scores since the student loans rehabbed & my scores jumped 100 points to now showing 607-620 FAKO & 628 FICO. I’ve lurked on these boards for many yrs (THANK YOU for all the help) so it seemed I might have a chance w cap 1 so I apped after being preapproved & got the $300 SL. That was on May 1st since then I’ve went on little “spree’s” and have gotten a Kohl’s $300, Maurices $300, and yesterday for a Jared for $1500 & a Kay’s for $1500. During this process I’ve been denied for VS, Firestone, & Ulta. I’m still waiting on letters for Walmart, & Helzberg Jewelers.
My question is (sorry I know long post to get to this question thank you if you’re still reading!) I just got the VS denial dated May 5 stating my score is 209 and no credit history. Huh? I have report screen shots showing my FAKO’s were in the low 600 range & 628 for my FICO on May 3 well then Ulta came yesterday & it’s dated May 7 and says the same thing but has my score as 306. Has this ever happened to anyone? Does anyone know what it means? When I called Comenity they were NO help & told me to just reapp in 30 days. Asked if it could have been a glitch & she said if it was then it was on EX side not theirs. I told her about how I’ve been monitoring & have screen shots of my scores she said well if you have a screen shot from that date send it in with copy of your I.D., SSI, & utility bill w my name. I have monitored through Crdit Seseame, Credit Wise, Experian, & Discover IT sites & paid the extra money on Experian to get my Fico score. Can anyone explain what is happening & also any advice anyone can give on what I should do about this & also to build would be much appreciated. Does anyone suggest anything to apply for next?
If I have posted this in the wrong thread please let me know & I will move it. Thanks in advance for your help!!
