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I have a credit score of 691, based on Trans Union. However I do have some outstanding credit card... |
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Date:
February 8, 2007, 10:43 pm |
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I have a credit score of 691, based on Trans Union. However I do have some outstanding credit card balances and Capitol One turned me down for their top-of-the-line credit card. Are there any alternatives for me? Do you have any suggestions for companies that might be willing to offer me a credit card? Thanks. |
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Answer:
Your credit reports can contain different information because creditors may report to one or two of the three national credit bureaus (that’s why while choosing the card it’s necessary to read terms and conditions and check that the bank or credit company will report to all the three agencies). Besides, you should make sure that each credit bureau updates your report. The fact that one agency updates your information does not mean that all three automatically will do so.
When you apply for a credit card online, the credit card issuer makes enquiries about your credit scores, looking, as a rule, at the lowest one. And if you applied for the card according to your highest credit score, it may appear that you don’t qualify. As a result you may be denied.
So, it’s of utter importance to keep all you reports equal. To put them in order you should apply to credit bureaus and ask to give you your credit reports. Check your report on the subject of incorrect, out-of-date or misleading items (mistakes in your name, address, phone number, Social Security Number, and for missing or outdated employment information). View the section ofaccount histories and creditor contacts.If you find any mistakes, ask the credit bureau for a dispute form and submit it with any supporting documentation. If you have only one credit report, you also should apply to the bureaus and ask them what to do. When you are satisfied with your credit report, you are welcome to get acquainted with good and excellent credit cards presented at our site. Do your best to choose the card that you can afford and that will meet your needs in the best way. Good luck! |
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