Search the Community

I requested a 61 day CLI on my Everyday card after seeing 2 SP's in September They used an SP from August when a rogue collection popped up on my report. The collection was gone within a week, but the effects remain. Hopefully they'll use a more recent pull when I try again in 90 days.

Hi I just applied for the bank Simple.com online and was declined. The Reasons from chexsystems were as followed: Credit Score: 0532 Score Date: 7/30/2014 5:25:52 PM The key factors that adversely affected your score are as follows: ASSET OWNERSHIP HISTORY CURRENT ADDRESS CHANGE HISTORY DDA CLOSURE PAYMENT HISTORY DDA CLOSURE(S) 1 previous inquiries by 1 Fl(s) My credit score has never been this low before and I just had a credit report done 2 years ago and it didn't say any of these things. So i'm curious what these mean. I know I have a bad bank account with a Small bank in another state that I had but Im working on paying that off. we recently moved but at the end of our lease so im confused on the current address change history. Any help on what all of these mean would be greatly appreciated! Thanks

App spree last month, how long you guys think before my new accounts aren't considered recent?

I am trying to get a mortgage to buy my first home. Some of my challenges are my fairly low income and large amount of student loan debt. In my area the amount I've spent on rent in the past five years = more than 1/2 the value of the property I am in. I would actually pay the same amount or less for a much larger place in my same neighborhood. I had worked for some time to get my credit in shape and have just been keeping it up the past couple of years. I pulled my credit last month. I was suprised that my credit score was much lower than what I got when I paid for a score last month. Last month I was told it was 760. The score the bank got was something like 698, 700, 702. I think this should be ok. Anyway I was very disappointed when the lender called today and said he just didn't think this would work out and I should try somewhere else. Later I officially got a notice that my income was too low. There are some medical collections on my records. I don't think that should effect getting a loan. The lender was trying to tell me they would want me to cancel my credit cards. I had been using them to build my credit. I had a couple of cards I use on a regular basis for low amounts. These cards were all things easily paid off like the $40 to Chevron. I use them and regularly pay them off. I am definately hesitant to close any accounts. I'm not really sure where to go from here. I was pre-approved from this lender when they pulled my credit. I'd appreciate any advice. I've been dormant on this board for a long time but have never looked into this section.