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First off you now have 7 inquires on your credit reports. That's not necessarily a bad thing. That's not what I call excessive inquires.
Now according to the credit scoring model any inquires made within a 7-14 day period are marked as 1 inquiry. (To account for auto and mortgage shoppers who have their credit pulled repeatedly, which I do not recommend).
Since you have no credit, you have no score, so they aren't doing much to you at all to tell you the truth.
My advice is to try Orchard Bank www.orchardbank.com, they accept most people.
REMEMBER!!!! Pay it on time, and don't exceed 50% of your limit.
You will be on your way to a 700 in no time.
What else can I help you with?
Can i get credit card after filing Chapter 7?
I filed Chapter 7 last year and when I applied for a credit card this year I was denied and the reason was "bancruptcy".
Does getting denied credit increase your credit score?
No, getting denied credit does not increase your credit score.
I applied for a credit card and got denied because of the age of my credit what is that?
creditors may not discriminate by age---only way this can be true is if they have broken the laws by fcra or you are a minor
If you had a preapproved letter from AMEX but applied for another card on their website and were denied then sent for the preapproved one and got it will that affect your credit?
The original AMEX the you were denied for will affect your credit negatively. You will have two separate inquiries with only one open account within a period of six months.
How frequently are you entitled to a free credit report?
Once yearly if you never applied for any type of credit, or until 60 days after you were denied a credit. But you will be asked to send the request by writing, if it is for free, they save the phone for paying customers or internet.
Can i get credit card after filing Chapter 7?
I filed Chapter 7 last year and when I applied for a credit card this year I was denied and the reason was "bancruptcy".
How do I check my credit score?
You can get all 3 of your credit score each year at anuallycreditreport.com. Also if you applied recently for a home loan and were denied you can receive your credit report free through them.
Does getting denied credit increase your credit score?
No, getting denied credit does not increase your credit score.
I applied for a credit card and got denied because of the age of my credit what is that?
creditors may not discriminate by age---only way this can be true is if they have broken the laws by fcra or you are a minor
Why was I denied when applying for a credit card?
You may have insufficient credit. Not everyone is denied due to poor credit. You should receive a letter of rejection from the card you applied to stating why you were rejected. If you have not received this, it is within your rights to call the company and ask them to either send the letter or state why you were rejected. Once you know the reason you should review your credit report for errors. You can opt to apply to a department store credit card to help build credit. If you are denied that, you may choose a secured (down payment) credit card to help build or repair credit.
If you had a preapproved letter from AMEX but applied for another card on their website and were denied then sent for the preapproved one and got it will that affect your credit?
The original AMEX the you were denied for will affect your credit negatively. You will have two separate inquiries with only one open account within a period of six months.
How often does the credit report get erased if you have just applied for too many cards and got denied?
Generally, credit report notations fall off after 7 years, unless the hits are repeated.
How frequently are you entitled to a free credit report?
Once yearly if you never applied for any type of credit, or until 60 days after you were denied a credit. But you will be asked to send the request by writing, if it is for free, they save the phone for paying customers or internet.
If denied credit before eighteen does it affect your credit after you turn of age?
No. You were denied credit because 18-year olds cannot legally enter into a contract.
Does being denied for credit lower your credit score?
Yes. It is reported on your credit report.
What happens if you get denied a credit increase?
If you are denied a credit increase, it means that the credit card company has decided not to raise your credit limit. This could be due to factors such as a low credit score, high debt levels, or a history of late payments. Being denied a credit increase may impact your ability to make larger purchases or access more credit in the future.
Are denied credit card applications shown in credit reports?
YES
