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Well it might be unfortunate you were denied. But it was a blessing in disguise. No more apps until really after the closing if your home. 24 inq's is a boat load and need to fall off for the UW's. Good Luck!
@Anonymous wrote:I tried discover and got a 646 FICO although i am still worried since i cant for the life of me get a unsecured card for some reason other then a 300 dollar walmart store card.
current card are
Discover IT Secured 3 months at 200
Cap One Secured 10 months at 700
Walmart 4 months at 300
Fingerhut 7 months at 600
All cards are fully paid off
Does this mean they are all reporting $0 balances? If so, you're losing FICO points for having 'No Revolving Credit Usage.' You need to let at least one card report a small balance each month -- going from $0 usage to a small amount (less than 9%) can give you an immediate point boost - often 10-20 points.
Also, if your goal is to purchase a home, then it would serve you well to monitor your FICO mortgage scores, not just FICO 8s. A myFICO subscription, while a bit costly, would be beneficial to you for this reason - it will provide you with all (28 versions) of your FICO scores - but most importantly, your mortgage scores. You will progress further and faster knowing where you stand at all times as it will allow you to take specific actions to increase your scores depending on what's holding them back.
Something to be made aware of: My niece was AU on my parents cc. She had to remove herself as AU before the underwriter would address her application.
Those inquiries may give you an immediate 'denial'. We have an actual group for Mortgages, check over there.