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wolf69 wrote:My credit scores are 568equifax, 652,experien,623,transunion. I have had 2 public records(that are paid) 4 collection accounts (that are paid) I have been on time with my payment since last year. I apply for credit cards and I always get denied. I dont understand it because I paid everything off. My scores have jumped alote. When I first started I was at 489. I dont want to get anymore inq on my report if all I am going to do is get denied. I have gone into (Who gave me Credit) and put in my scores and then applied. but once again DENIED. Iam just confused. Anyone out there that can explain it to me would be great!!!!!ThanksCathyPs Just got my first Goodwill letter back and it is......A SUCCESS ( well at least Iam doing that right!!!)