I know I've read on here about them before several times, but today I thought I'd see what I qualified for since I know they SP on TU. That's my best report and absolutely no baddies. Keep in mind I watch my credit cards and credit reports like a hawk, each and every single day.
Anyway, I filled in my name and address and got an immediate and I mean instant repsponse, "we're sorry we don't have anything for you, but why don't you try our good friends, Springleaf." Say what? Now for the other part.
"Click here for adverse action excuse." So I did and they of course DID indeed pull TU and said my score was 730. They also CLAIM they pulled IDA but it's frozen so there's absolutely no way that they did.
-several new accounts in the past 12 months----OK, yes, that is true.
-loan balances high---um, only on two because they are zero interest for a year and I did some debt combining by BT and not over 50%.
-too many derogatories---WHAT??? I have absolutely NONE. Not even one on TU. Where are they pulling that from?
-not enough NON Mortgage loans.--Again, what is this?
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Are they always this difficult to get a loan from and do they ALWAYS come up with excuses that aren't necessarily true? It's bothering me now and got me thinking I've sucked at taking care of the credit I've been granted and at rebuilding (if you want to call it that since I just never really had my own credit before. )