Are You Constantly Being Declined For Credit Cards, Car Leases, Or Mortgages?

can they get rid of inquiries?

i have a 750, but i would like to get it higher.can they raise my credit score?

@al: lol they can also erase your credit card balance 🙂

My history is not bad. I simple dont have any history thats why everyone is declining me. Can they help this?

@me: @Me- I too had this problem about 2 years ago- not bad credit, or good credit, simply no credit. There are two options you can do to build it up- Have someone cosign with you, or if you do not have that option you can do what I did- go to Bank of America, and sign up for their secure credit card- I did it with a $300 dollar limit, secured through a check of equal value- they don’t cash the check unless you fail to pay your bill. This secure card will build your credit up just like a real credit card- 2 years later, I have a 750, and my very own Amex! Good luck, and just make sure to pay every month!

@Ari:
Thank you Ari, I’M on addition to my fathers unlimited amex card. and I also got approved by Cap1 and I’m doing payments on time and I’m not maxing out my limit and I didnt apply for cc the last year… but after it still didnt help i got declined from chase and amex

@me:

Ari,

Chase and Amex will take about 2 yrs of good credit history to be approved, maybe even longer! Your choices now are: Cap1, Discover, Possibly Amex’s $500 cash card, or as mentioned before co-signing.. Pay your bills early and dont apply for cards often but request line increases instead..

@J:
Be careful when requesting line increases. Many times they’ll do a hard pull for them. Also, just be aware, that even if you ask them and they tell you that there is no hard pull, they don’t always know, even when they tell you that there for sure isin’t one…

@Ari: @J: @Cholentfresser:
How about appliyng for the Amex SPG. I heard that everyone is getting approved, Some for more credit and some for less, is it true???

Getting approved for a credit card is alot harder then it was in the past you have to make sure the following

1) your balance is zero on any of your low limit credit cards when applying that means paying in full and waiting 30 days and not using the card

2) making sure that if you are authorized user on someone elses card that there balance is less then 50% utilized

3) that the authorized user does not have any late payments on that card since that will effect you as well

Let us know if this helps

@Innovative credit:
I would do so, but I want to apply for the amex spg card offer which is on only till aug22

@Innovative credit:
Just wondering: it seems that you have a decent website. Why didn’t you include it in the ad? people are much faster to check a website than to call..

I must say that innovative credit did wonders for me. They removed inquires, negative reports, and most important raised the credit score to over 750 !!!!!!!!!

I recommend them highly !!!!

@simon:
How much did they charge you to remove an inquiry?