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McAmex

Help cant get preapproved loosing hope

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Hello every one ever since I learned about this place I have been on this more then my Facebook thanks! 

So i have a 711 Experian 703 Transunion 698 Equifax and all the preapproved  offers I fill out all get denied  I have a total of 2 inquiries  on experian that's it  I dont know why nothing  will get preapproved and I dont want to waste an inquiry  please what am I doing wrong  it almost makes me want to quite and give up  I get bummed  out and I'm about to go inquiry  crazy and apply for everything here in a minute  if I dont get some help....

 

My oldest account is 3 months old i have a total of 1 account on Experian 

3 accounts on equifax and 2 on trans union 

Oldest account 3 months old no miss payments utilization less then 3 percent no actual credit cards 1jewlerystore 5000 limit 22 balance

1secure loan 1000  balance 942

2500 ox publishing 120 balance 

1500 Huffington post 98 balance

No credit cards no late payments no derogatory no fraud alert nothing I cant apply for capital 1 because I owe them from 1 year ago even though  it's no longer reporting on my report or can i?

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When you are declined you will receive an adverse action letter in the mail within ~30 days of the decision.

 

What reasons have the letters cited?

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There is far more to an approval than score.  You describe an anorexically thin file, to say nothing of the fact that it is a YOUNG file.  You do not indicate WHO you have actually applied with.  Pre-approval pages are generally useless.  They are not an approval and you would still have to go through underwriting...but it sounds like you have not actually made application in a manner that DOES go to an underwriting process... 

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