denied on every cc application

[juniornj23]

Every cc I apply got me denied

OP,

I merged your threads together as they are similar.  In the future, please refrain from posting duplicate/similar threads. 

Thank you~ Lexie, myFICO Moderator

[john398]

it happens, what are the reasons they are giving you for denial?

[Anonymous]

And if you keep applying it will get worse, as HPs go up and you look like you are desparate for credit.  As johnXXXX says, what are the reasons, and you need to address them.

[Hightechredneck]

How about a little more info? Did you pull your scores? any baddies? What is your past history? A little more info and maybe we can help.

[Dw4250]

Stop apping.  Get the denial letters back.  Review the reasons why you are being denied.  

Pull your reports (you get a free one with each denial).  My guess is something (or more than one thing) is on there that is causing the denials.

[Creditaddict]

what credit cards do you currently have?

baddies on your report?

what were you denied for?

[juniornj23]

Well all my credit card are 0 balance 

TU 651

EQ 611

Ex 626

 I do have a charge off from macys 550

Tmobile collection with afni 330

Dish network collection with midland for 350

No late payments in the last 4 years 

11 HP that is crazy

Capital one 500 - o balance

Credit one bank 1050 -200 balance 

Best buy 300 _o balance

First premier back 750 -0 balance 

Any help also can the HP be deleted 

[mongstradamus]

---

@juniornj23 wrote:

Well all my credit card are 0 balance 

TU 651

EQ 611

Ex 626

 I do have a charge off from macys 550

Tmobile collection with afni 330

Dish network collection with midland for 350

No late payments in the last 4 years 

11 HP that is crazy

Capital one 500 - o balance

Credit one bank 1050 -200 balance 

Best buy 300 _o balance

First premier back 750 -0 balance 

Any help also can the HP be deleted 

---

You are proabably stuck with those hps  ,you are just going to have to let them age. The other thing I would think about doing is see if you can do an pfd for those collections. That is probably the biggest reason for getting denied credit. The combo of 11 Hp and having 3 collections is what is doing you in. Out of those 11 Hps how recent were they ?

[chalupaman]

I'd get all those charge offs paid and off your CR first and go from there. That's probably the biggest reason why lenders aren't extending you credit and rejecting your apps on the spot.

[PlasticOrPlastic]

---

@juniornj23 wrote:

Well all my credit card are 0 balance 

TU 651

EQ 611

Ex 626

 I do have a charge off from macys 550

Tmobile collection with afni 330

Dish network collection with midland for 350

No late payments in the last 4 years 

11 HP that is crazy

Capital one 500 - o balance

Credit one bank 1050 -200 balance 

Best buy 300 _o balance

First premier back 750 -0 balance 

Any help also can the HP be deleted 

---

Those scores are generally pretty low, what are you apping for?  HP's cannot be deleted unless obtained without your permission (fraud, ID theft, etc).  I'd work on getting those collections paid off, they are probably hurting you pretty bad.  Have you tried for CLI's with current cards?  Those CL's are pretty low right now.