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I did the pre-approval thing on CreditOne.com and I was denied, not surprised, but what does this mean?
It's supposed to be an Experian score:
We also calculated a custom risk score from information contained in your credit report obtained from the above listed consumer reporting agency Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in your credit report changes.
Your credit score: 145
Date: 11/04/2013
Scores range from a low of -5 to a high of 298
They used their own scoring system which can happen sometimes.
when i was in a similar boat to what you are in i went cap one secured....not saying they would approve you but it is substantially cheaper than almost any card credit one has
Thank you