First of all I must say I have absolutely NO idea what I am doing 
My credit was destroyed by 18 year old me and with the help of an old roommate (long story). I recently paid everything off other than one medical bill that I'm trying to work out. I had a credit card with capital one (paid and closed), a cellphone account with verizon (settled and closed), a cable bill with TW (paid and closed), and then I have the medical bill for 100$ that hasn't been paid yet. The good things I have is a car loan that has been paid off and was always on time and a student loan that is almost paid off and has always been paid on time aswell. According to freecreditscore my experian score has gone from a 554 to a 655. I've heard their scores aren't accurate though. Okay so thats the back story... nowwwww... I've been trying to rebuild and I have absolutely no open accounts other than a student loan. I looked into getting a Kays card since I am getting married in the next few months and we need to buy our bands. I figured since we already have the money set aside for our bands it would be a great way to boost my credit. Well I applied and was denied. The reason was delinquent accounts which confused me because other than the 100$ medical bill I don't currently have any delinquent accounts. Then I looked into Target and Victorias Secret. I applied for both (which I hate that I did that since I didn't have any inquiries on my report). I was given the 7-10 day message from both. Ugh. I know theres a small chance i'm approved but i'm not very optimistic. I need advice. I have no idea what I am doing right or wrong.
Hello and welcome....
There is a lot of help here for you to guide you throught the process...
First things first.....
1. Stop applying for anything
2. Go to annualcreditreport.com and pull all 3 of your credit reports. Experian, Equifax, Transunion
*8/10/13
Welcome to the forums!!
IMO you should try Cap1 secured card. You seem like a good candidate for it. They report to all 3 bureaus and you can make deposits to Increase your CL. After that app garden for 6 months and work hard on removing that baddie!
Good luck to you!
IMO you should try Cap1 secured card. You seem like a good candidate for it. They report to all 3 bureaus and you can make deposits to Increase your CL. After that app garden for 6 months and work hard on removing that baddie!
Good luck to you!
Welcome to the forum!
Like dodfire, I say make sure all of your know baddies are off. Cap One is ok, but BoA secured graduates and will not pull all 3 CR's. are you a student? A member of a cu?
Like dodfire, I say make sure all of your know baddies are off. Cap One is ok, but BoA secured graduates and will not pull all 3 CR's. are you a student? A member of a cu?
I could be wrong but from the way I understand what the OP wrote...maybe these (paid and closed) (settled and closed) are still on the CR's. Probably need to get those off if possible..but first get those reports in hand.
A baddie is a derogatory/negative item reporting on your cr. unfortunately, you did not ask them for PFD ( pay for delete). You can still try the GW route ( writing a goodwill letter). Before you app for anything, you really need to handle the derogs first. As far as not having any income...what are you writing down for employment? Some apps aren't as clear when asking about income - meaning household income.
Is your fiancé still in the military?