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  1. Hi, everyone, On my CRAs, I have a paid federal tax lien from 2011, a paid judgment from 2010, and one installment loan (auto) that is paid on time every time. I recently applied for an Amazon store card (GE money) but was denied. Do you think I should try to recon? I just got a Capital One secured card but it won’t have any reporting yet because it’s so new. This is what the denial letter gave as reasons: Too few revolving accounts Too many inquiries in the last six months Lack of bank revolving information Account in collection or 60 days past due or adverse public records The letter also says my credit score was 417. Ridiculous. They pulled TU, and according to FICO, my score at the time was 649. Do you think it’s worth disputing the score reported with TU, or reconning GE? Thanks for your advice.

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