Okay I just started building credit the beginning of this year via car loan for 18 months (it will be paid off next month 8 months early). Last week I tried to get a credit card form Amex, discover, capital one, and chase. I got denied by all. Now the all sent me the letter in the mail saying why I got denied. The first letter I got was from Amex and in that letter it said my score credit score was 646, I was really excited after I saw that, then discover sent me there letter the didn't state my credit score. Now to day I revived capital one and chase letters. In the chase letter they say my credit score is 590, and the capital one letter says mt credit score is 616. How could this be? I applied for the chase card before the capital one card so how is it that chase is reading my credit score lower than CO when I applied for the chase before CO? Now I'm really confused I don't know I'd my score is 616 or 590, and in both of the letters they say that they pulled them on the same date. Can anyone tell me where I can get my fico score and how I could help build my credit. I'm thinking of taking out a small loan of 4k for a motorcycle. Also when I got my car my lender told me that he only reported to 2 credit bureaus, I think he only reports to trasunion and equafax, is there I can get the 3rd credit union to copy the scores of the other two or as my lender for my payment history or is there nothing I can do. And if there is nothing I can do when I get a credit score or vehicle loan would my scores be drastically uneven.
