rubberduckehs asked:


Okay, so I tried to apply for Capitol one first and it denied my application. Then I tried Bank of America and they also denied my application, but offered a secured credit card to me as a preapproval. Could it be because of the two student loans I borrowed? It’s not even disbursed to me yet though. What can I do to qualify? Am I doing something wrong? I am trying to establish credit because I have no credit history, besides the loans I just applied for school like last month and they’re not even given out to me until like August. Thanks

secured credit application

null asked:


I am trying to get my first credit card, but I have been denied after applying for a regular credit card and a store credit card. I then went online to read more about this topic and decided to apply for a secured credit card called, Bank of America Platinum Plus Visa because of how easy it is to get for those with no credit so I sent my application with a money order of $500 for the secured account.

Today I got a letter in the mail saying that I was denied basically because I have no credit and that I will get my money order returned to me by mail.

I did not expect to get denied for a SECURED CREDIT CARD … excuse the caps lock. This just blew my mind. There is no risk on their part! What the [beep] … [crumple the envelope in the palm of my fist]! Why are they even checking my credit history (rhetorical question)!?

Ok, I am calm again. What do I do? Is all hope lost?

secured credit application

Shannon B asked:


When you are trying to lease an apartment, what are the main things they are looking for on your credit history in order for an approval? Are they interested in all of your credit card bills and other payments or are they mainly concerned with your rental history and bankruptcy background?

get credit

flyboy711672005 asked:


I’ve made some mistakes in the past and I had absolutely no history in the past as it is. So, how do I go about salvaging bad credit and getting a chance to make my credit history decent?

get credit

Dr. Andrews asked:


I ran out of the 3 free credit reports today, and one agency said my score was 663.

I don’t want to run more than 1 because I’m afraid that will affect my score. I know that sometimes people use the mid-score. If one of my scores is 663, then conceivably, what is probably the lowest possible score?

In other words, what’s the typical spread between the high and low? Can we deduce the scores from the other agencies by knowing 1 score?

HELP! I really want this apartment.

get credit