Timeline for Why am I being declined for credit card offers?
Current License: CC BY-SA 4.0
23 events
| when toggle format | what | by | license | comment | |
|---|---|---|---|---|---|
| Apr 28, 2023 at 1:49 | comment | added | keshlam | There's at least one more commonly used credit agency, though they're much smaller: Innovis. I froze them when I froze the big three. And, yeah, I should pull new copies of all my own records... | |
| Apr 28, 2023 at 1:30 | history | edited | Village | CC BY-SA 4.0 |
added 294 characters in body
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| Apr 27, 2023 at 7:26 | comment | added | user541686 | annualcreditreport.com is your friend | |
| Apr 26, 2023 at 14:25 | comment | added | Wastrel | Have you gotten a detailed credit report? False information on credit reports is fairly common. The last time I looked, mine listed addresses where I never lived, cars I never owned and other errors. They are probably data entry mistakes, but identity theft is also a possibility. | |
| Apr 25, 2023 at 23:31 | comment | added | rtaft | 850 with just 1 credit card? I doubt that. Experian's advice for a perfect credit score is at least 5 open accounts in good standing. Perhaps what is really going on is someone has been using your info and was paying the CCs which got you to 850, and now they aren't paying. Check your detailed report at any of the 3 credit bureaus' websites. Since you mentioned Experian, start there. | |
| Apr 25, 2023 at 22:15 | answer | added | bta | timeline score: 13 | |
| Apr 25, 2023 at 16:02 | comment | added | keshlam | Just fwiw: note that a "pre-approved" card offer mostly means someone approved sending you the advertising, not that you are actually mire likely to be approved for the card. Ignore that word | |
| Apr 25, 2023 at 14:39 | comment | added | RonJohn | @DStanley is right to not worry about the interest rate, if you pay your balance every month. | |
| Apr 25, 2023 at 14:18 | answer | added | mhoran_psprep | timeline score: 23 | |
| Apr 25, 2023 at 14:16 | history | became hot network question | |||
| Apr 25, 2023 at 14:13 | answer | added | Nosjack | timeline score: 7 | |
| Apr 25, 2023 at 3:34 | answer | added | keshlam | timeline score: 53 | |
| Apr 25, 2023 at 3:01 | comment | added | littleadv | What country are you in? Laws differ from place to place. | |
| Apr 25, 2023 at 2:48 | comment | added | Ben Miller | Does your bank actually call it a “FICO” score, or do they call it a credit score? | |
| Apr 25, 2023 at 2:11 | comment | added | D Stanley | If you can pay it off in the next paycheck, why are you worried about the interest rate? Pay the balance, use it only when absolutely necessary (maybe use cash when travelling?) And stop worrying about the interest rate. | |
| Apr 25, 2023 at 2:08 | comment | added | Village | I confirmed my bank uses Equifax to calculate the FICO score. | |
| Apr 25, 2023 at 2:08 | comment | added | Village | It would take next paycheck (1/2 of month's pay) to pay off current credit card amount to $0. The only reason I keep using it, is using debit card is dangerous, I'm traveling a lot, don't want to risk using debit card when overseas or out of state. But the credit card keeps adding fees each month I don't like. | |
| Apr 25, 2023 at 2:06 | comment | added | D Stanley | What balance do you have on the card? How long would it take you to pay it off if you cut your expenses to the bone? | |
| Apr 25, 2023 at 2:06 | comment | added | Village | Bank account is reporting that number. Has been slowly moving up toward this 850, which is the highest I've seen yet. | |
| Apr 25, 2023 at 2:01 | comment | added | Ben Miller | Where did you get your FICO score from? A score of 850 seems unlikely. | |
| Apr 25, 2023 at 2:00 | comment | added | Village | Yes, I've been paying a lot of interest for a while, but tackled it about 2 months ago. Now I'm trying to get a different card so the interest won't cause the card to balloon. | |
| Apr 25, 2023 at 1:59 | comment | added | Ben Miller | It sounds like you are chasing low interest rates. Are you carrying a balance on credit cards and paying interest? | |
| Apr 25, 2023 at 1:56 | history | asked | Village | CC BY-SA 4.0 |