I cannot get approved for any credit card

[Anonymous]

  Credit Scores TransUnion 593     Experian 629       Equifax 591  

INQUIRIES : TransUnion 3 Experian  5 Equifax 4

I have an auto loan for $21341 through ford credit. From July - November. PLEASE HELP! ME I WANT TO GET MY SCORES INTO THE 700's. PLEAsE LET ME KNOW WHATS SOME GOOD CARDS THAT I CAN GET APPROVED WITH.

[Anonymous]

What are the recent baddies on your report and how recent are they?  Wht cards are you trying to apply for?  No offense but you definitely won't get Amex with those scores.  Improving your scores is kinda like trying to eat an elephant the best way.  One spoonful at a time.

[Anonymous]

Thats the bad thing about it all i have is

Consumer Statement

Experian: 06& 10-15-07 0000000 ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY # OR EVENING . THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 10-15-07.

Equifax: FRAUD VICTIM. "EXTENDED ALERT". CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME #
TransUnion: #HK#EFCRA-EXTENDED FRAUD ALERT: ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC

TransUnion: OUNT. CONTACT CONSUMER AT #

TransUnion: #HK#IFCRA-INITIAL FRAUD ALERT: ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO

TransUnion: UNT. CONTACT CONSUMER AT #

and ... i owe fingerhut which only reports to equifax 100.00 out of 160.00 spending limit please help..... I removed the alerts and they reappeared on my report...

Message Edited by source1one on 12-08-2007 11:34 AM

[Anonymous]

source1one -

If those are your real phone #s, you should edit your msg & remove them

[Anonymous]

You might be able to get a secured card like the one Bank of America offers. It's optimal to paying all sorts of made up fees by subprime CCCs.

You could try prequalifying on the BoA website.

[Anonymous]

what is BoA

[Anonymous]

Yeah it looks like you tried to mask your phone number by using that (999) area code but you missed that last one. Personally, I would just put in (555) 555-5555.

As far as the credit card issue. Are you saying that you can't be apporved because of the fraud alert status on your account or have you been given other reasons? I know that I have 4 cards and have high util on them but otherwise my credit is good. Up until recently I thought it didn't matter because my income is so much higher than the balances I owe on the cards so who cares if I opt to keep high balances and just pay it down 200 when I need to spend 200 on the card. Obviously I know this is wrong now. But I have been denied recently because of this high util.

Are you trying to get a first card? If you have a card(s) already does it (they) have high util?

[Anonymous]

If the fraud alert is the issue I would go to BoA (bank of america) or Capital one or chase at the actual locations and apply. This fraud alert migh be keeping you from getting online approval

[Anonymous]

I tried chase freedom and they denied me. And i have an account with them.... And yeah this will be my first major credit card....

Message Edited by source1one on 12-08-2007 11:44 AM

[Anonymous]

Source a fraud alert on your file will prevent you from getting credit without a photo id. Call to see why you were declined. Usually you will receive written notice. BTW the Chase freedom etc.. tht your are going for, you will not get with those scores...FWIW

Message Edited by Brammy on 12-08-2007 04:34 PM