I think I my mind may be moving faster than my creit report. If you look over my posts since Ive joined you will see that I don't have much for negative accounts mostly piss poor payment history, which I have been good with over the last year or so. I was relying on freecreditreport.com for most of my info and I was dinged for a 57 point loss (via freecreditreport) on nov 19. Then after I DV'ed some stuff it returned back to 658. I thought this score would be high enough for a credit card, I also thought the inquiries would not show up until next month so if I applied to both at once they wouldnt know about the other, especially if I did it simultaneously. I have now just learned how the credit scores really work. Like I thought my freecreditreport number was a "real" experian number, when in fact it is nothing more than a calculated guess of what lenders might see. Anyhow during the time my score was reported as a 601 via freecreditreport, I applied for a home depot card and sequentially denied. Moving forward when I was notified my score returned back to the original number of 658 (via freecreditreport) I figured I would be in the clear for an unsecured card. But after chatting with a Capitol One rep, I was told that if I have been denied a credit card in the last 3 months then I am consider "credit rebuilding" and probably not going to get an unsecured card. Just for fyi I payed for the fico service yesterday and no longer use freecreditreport and my scores are 618 619 629. Any comments on my situation will more than likely help, or at least keep my brain churning on the issue. Have fun and be critical if need be.
