How big of a credit win do you entail to capture approved for a computer?
Question:
I have a credit mark of 700 which is good credit. I tried to catch approved by dell to get financing and I get denied. I was trying to draw from monthly payments for a computer that cost like $800. So I be trying to figure out what be wrong with my credit. Can someone relieve me out?!?!?!
Answer:
I think that you one denied by Dell is crazy. Over two years ago my credit score be in the lower 500's and I be approved a Dell account for $2000.00. My credit be wrecked but my income was well-mannered. I have since compensated off 30,000 contained by debt and my credit score is 724. Do you expect that Dell will lower my interest rate. I DOUBT IT. They do make a great computer though.
person denied with a 700 mark by dell is unusual.
They will send you a notification within 30 days detailing their reason why they declined. It's required by ruling. It may be that you have too abundant new accounts, too high-ranking of utilization ratio, etc.
Hello, I work for Dell, with our financing a numerous amount of things jump into affect, we are real stiff if you missed payments near someone before, but I would enjoy to say we are one of the hardest places to acquire approved for financing, the only other article you can do now is use credit card or someone elses dell reason, sorry
4 years ago, when i applied for dell credit, the only credit i have to my name, if you could even call for it that, was human being an authorized user on my fathers card. them denying you credit sounds fishy to me. how just this minute have you credit you credit evaluation? and your reports (and i mean adjectives 3 of them?) if all is ordinary, try getting a credit card , which dell does accept, path better interest then what dell offer.
It may not be just your win - your debt to income ratio could be very giant or that you have "a lot" of of unfurl debt (like more than 3 credit cards or a lot of revolving credit) even if you repay on time -
Can a debt collector report a disputed item to a credit bureau?
Question:
I received a letter from a debt collection agency this chronological December. Because I did not recognize the debt, I disputed the item and asked for detail on what the debt be for (in December). I never received a response and followed-up in February, to which I also received no response. About three weeks ago, I sent a certified notification requesting the same information and own yet to hear from the agency. Then, I notice on my credit report last week that they hold reported this debt. Can they do this? Do I have any remedies below the law?
Answer:
NO they cannot IF you requested validation inwardly the first 30 days after receiving their first communication - they cannot rightfully place it on your credit report until they validate the debt.
Placing it on your credit reports IS a collection hum
It is a violation and actionable for up to $1000, if you option to pursue it.
§ 813. Civil liability [15 USC 1692k] (FDCPA)
They had violated at the lowest possible:
FDCPA
§ 809. Validation of debts [15 USC 1692g]
(b) If the consumer notifies the debt collector within writing within the thirty-day length described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the entitle and address of the original creditor, the debt collector shall abstain from collection of the debt, or any disputed portion thereof, until the debt collector obtains validation of the debt or any copy of a judgment, or the signature and address of the original creditor, and a copy of such substantiation or judgment, or entitle and address of the original creditor, is mail to the consumer by the debt collector.
You might click on my profile and do some reading in the links I enjoy listed - the FDCPA, FCRA, etc.
Yes, a debt collector can report you to the credit bureau. You requirement to notify them and dispute it unless you do owe the debt. It takes a long time to straighten up your credit after it appears on your credit report. Be sure you hold all the information earlier contacting them.
Absolutely. They can ding your credit at anytime. Your only recourse is a statute suit if they did it and were incorrect contained by doing so.
Debt collectors collect money. They don't adjudicate disputed accounts . you must go through the store or agency that reported that debt. Y ou can distribute a certified leter to the credit bureau explaining the problem . but only the store can lug it off your record.
Yes a debt collector can report on your Credit Report. You have done everything reccomended as far as trying to contact the agency and sending a certified dispatch. One other thing you can do is dispute the debt near the credit reporting agency. Here are their websites where you can bring back more info.
www.experian.com/dispute/
https://www.econsumer.equifax.com/consum...
www.transunion.com/corporate/p...
if the websites don's show up clearly just G00GLE "experian dispute" "Equifax Dispute" and "Transunion dispute"
Yes, they can give this to your report. They must validate the debt if requested.
This is wrong! "Debt collectors collect money. They don't adjudicate disputed accounts . you must turn through the store or agency that reported that debt. Y ou can send a certified leter to the credit bureau explaining the problem . but simply the store can take it stale your file."
Debt collectors do collect money, but if requested they must authenticate the debt. Which means they must make a contribution you complete accounting of the debt including original amount due, any payments you own made, interest charged, penalties, fees, etc. This must adjectives add up to the amount that they are suing for or attempting to collect on. If you are disputing the portrayal as an invalid account, they must attempt to provide some proof that it is contained by fact your article.
Also, the debt collector has the right and capability to remove the negative information from your credit report.
I would transport another letter near copies of the last junk mail and cards from certified return receipt communication and tell them that they own to validate the debt or you will profile suit for negligence, damage to your credit report and ruin of the Fair Credit Reporting Act and violation of the Fair Debt Collection Practices Act
This happen to me. I called the ORIGINAL creditor. They, fortunately, still have the records and I be able to obtain it cleared up with them. They consequently contacted the debt collector and had them remove the information completely from my credit report.
My writ 44182 still not received please inform?
Question:
Mr.Haji Hajiyev ordered and paid for some of vitamins and his direct still not received
Answer:
I would suggest he contact the company he ordered his vitamins from.
correspondence from credit lenders,?
Question:
I get communication from credit card companies sent to my address, the name is not mine, but the address is, I hold phoned the cc company involved, told them I live at this address, not the person they are looking for, cc company said they will check voters roll for this soul, how long will I keep unloading mail from them, what if they cant find the other family on the voters roll, will it still come to my address.
Answer:
Write return to sender and put it back surrounded by your box. They will soon tire of getting their own mail put a bet on and make the correction.
Im living surrounded by ireland and i want to buy a topical sports car but enjoy bleak credit is ther any companies that grant loans?
Question:
Answer:
I heard father ted is selling his motor, but the bak seat is full of green bile from Oul Jack
please don't return with in a mess, put some money away & hide away for one
Netcars have a yawning range of vehicle loan / car nouns products to suit every circumstance! From Hire Purchase to balloon payments (PCP), and you have the flexibility to choose your sports car from any dealership for UK nationwide including Northern Ireland, fruitless credit no problem. http://carfinance.netcars.co.uk/?sourcei...
You CAN get a wearing clothes car loan, even next to bad credit. I've done it, but you'll enjoy to look around. That's one of the BIG mistakes people get...just taking the first proposition that's given to them when they go to the trader. Be smarter than that.
WARNING: DON'T GO TO BUY A CAR WITHOUT HAVING THE LOAN FIRST. The auto dealers will chomp through you alive and give you a crappy rate. Shop around next to lenders who specialize in unpromising credit car loans. It's a better risk, you don't have to rob what they're offering if you don't want it, and it's better than dealing with the coup¨¦ dealer's people.
There are usually some locally based saloon loan companies who specialize in fruitless credit car loans who publicize on the page linked below...
http://www.axalda.info/bad-credit-car-lo...
Can some one recount me if you own a copy of a contract which is not signed is it rightfully binding?
Question:
This is Fitness first Gym, they are saying to me the copy they enjoy has a signature on it and the copy I hold does not! Ive checked the application numbers and they match! They are trying to swindle 300 sour me after i cancelled my membership!
Answer:
Ask to see the artistic - they can't refuse due to information protection laws - if they impose sanctions then they are breaking the tenet - if they do let you see it - merely say 'That's not my signature' - that'll screw them!
Fitness First are crap - they are also rumoured to be surrounded by financial trouble and so are trying all the tricks surrounded by the book to keep money coming surrounded by!
ADDED: but, as above - if you really did sign it then you can be held adjectives for the payment!
Did you sign the contract. Your copy doesn't stipulation to be signed.
If you signed it, they have a bag.
If you have not signed the copy of the contract they hold then it is not binding. Period.
Ask to see a copy of the contract they hold, inspect the signature if it is yours, (and be honest, did you sign one??) later it might be legally binding and if so run to CAB who might be able to advocate how to get out of it. If it is not yours threaten to stir to the police and see how quickly they forget their lb300. And seriously consider reporting them as it is fraud.
Step ONE capture a copy of the contract, NOW
If you've never signed that copy they have and they've made it up that looks fairly bad for them if you ask me. Report it to Which! for example if they really annoy you.
If you signed their copy later it is a legally binding contract, if you didn't sign their copy afterwards it is fraudulent.
You singned it your binded, But does you contract have a see clause in it. If so what is the reversal fee. Because specifically only what you should be liable for not the owed devotion. The cancellation excise is what they want in place of the outstanding fees. Look at the contract and tolerate them take it to court as long as your in your contract agreement if it is signed or not ( meaning cancel before a solid date) then you should be alright. But i am no legal representative so don't use this as the "HOLY WORD".
Capitol One Visa?
Question:
I had an tale with Cap One Visa more or less seven years ago. I stopped paying it and was wondering how I attain the information to pay it past its sell-by date.
Answer:
call them and speak to within collections department.
get a copy of your credit report the address should be on at hand
Go to captol ones website. Just click on sign up. or sign in. Give your self an scree signature and a password. look up your account, it shouldbe near. I wonder how come they never bothered going after you after all these years. concerned of weired I think1
Does anyone used Allopass for online reward?
Question:
Would you recommend them as a provider, and have you used them for SMS billing? Do you know what their outpayment rates are?
lots thanks
Answer:
yes...
ive used allopass for a few months and they be really good BUT next last week they turned round and suspended my reason with lb2500 within and dont answer any of my emails.
Allopass are NOT TO BE TRUSTED and i will be contacting the autorities should my money not be returned by the end of the month.
I pocket it you are advertising this company. Never hear of them. Done a search, Director lives within Nigeria. Think that's enough for the member. Stay clear!
Never heard roughly it.
To know more about online recompense visit
http://onlinepaymentoption.blogspot.com...
http://a2zhomebusinesstips2.blogspot.com...
Debt Consolidation?
Question:
I have $7000 within debt right now beside 3 creditors only. One is a loan, a credit card and furniture. Can anyone support me with a company that might could acquire me a lower monthly payment between the 3 of them and a lower interest rate. My credit evaluation is in Good standings. If I shouldn't verbs about it please also report me that to. Help Please!
Answer:
On the surface, it sounds like you are contained by pretty good financial standing and you want to do away with unnecessary debt. Getting one payment is sure more convenient than 3, but if explicitly your main concern, it does not defend consolidating the accounts.
Instead, you may wish to try setting up an online bill expense service. These are free through several banks.
If you can build higher than minimum payments, after you can negotiate lower interest rates on the accounts yourself without outside lend a hand.
Here you go
I used CCCS but I wish I had done it myself and save the monthly fee that they charged. If you want to revise more visit http://www.thecreditrepairmanual.com...
First bad what is the interest rate and payments on the three loans. If you have another credit card you could hail as them ask for their best fixed rate cash mortgage. Then tell them you get a better rate from another company and they will match it. Then you could combine them adjectives into one loan on your one card. Otherwise pay past its sell-by date the highest interest rate first and manufacture min payments on the other two.
I would recommend Consumer Credit Counseling Service of Ventura County, California. They got my monthly payments lowered by roughly speaking 40%, they only charged $10.00 a month for their services, and they worked beside the credit reporting agencies to repair my credit rating after I finished paying everyone off. STAY AWAY FROM CONSOLIDATED CREDIT COUNSELING SERVICES. A friend of mine go with them and they screwed him over so unsuccessfully that all his creditors demanded clearing in full straight and it took him over a year to fix the mess they caused because of their negligence.
I'll assume here that you are trying to cut back the amount you are paying out monthly to the three creditors.
One of the first things you may want to do is try to negotiate a lower interest rate on the credit card. Call them and see if you can get a lower rate.
Since you already enjoy a loan with someone, phone call that loan company and ask if you can refinance your loan and include the other two. Also, make sure you negotiate the lowest interest rate that you can.
I'm assuming that the furniture contract is probably at a really elevated interest rate like 23%. Most of them are. You want to get that go together paid rotten or moved to a lower interest rate loan or credit card. People don't realize when they fall for those ad of no money down and no payments for 6 months that they are usually paying a high rate of interest and they are one charged interest the entire 6 months that they're not making payments.
Once you do get this consolidated, remuneration MORE than the monthly minimum towards the overall payment. And don't charge anything on that credit card that you can't afford to pay cheque off inwardly a month or two.
Try www.prosper.com, it's like ebay for loans. I loan out on it, and if your credit is surrounded by good standing you should get hold of a very flawless interest rate. Check it out, I highly recommend it. You can see the interest rate folks get. You can pocket a loan of upto 25k and all loans are 3 years.
Try the below company
Credit Card Debt?
Question:
ok, I am in serious trouble, i.e i hold total debts on my various credit card to RS 9 LACS, which also includes personal loan on my card.
Now i m organized to do a settlement with adjectives the card companies.
Kindly advise as to how can i move about about doing like. Would the CC Companies, settling for less amount, can the settlement amount be smaller number
than which is reflected on the Card.
I of late have 5 Lacs near me
Can you please advise, the process to follow and what % of Amount will the CC companies in position to forego.
THANKS
D.S
Answer:
www.consolidator.com
I would advice you to desire an attorney that specializes in Credit Card debts. I do not believe within these credit card counseling agency they are very not real and do not do the job's they are promising to do.Hope this helps you.
By the means of access what is a Lacs? I never hear =d of . Last year I became debt free. I solely have three cards not here, than I am done with them forever.
I am surrounded by credit card debt up to my ears! I spoke with a attorney to file for ruin or consolidation. I was advise to ride it out for the 7 years it holds on your credit. I can write letters to the bill collectors and report to them to stop harassing me on paying them and if they write me again or call after the notification I sent, then I am to steal those letters and present them to the legal representative so we can sue the bill collectors. Basically as I was told, your credit cards enjoy already been salaried by their insurance, then you remuneration double, even triple with the interests. So, if you couldn't pay cheque the company, their money has already be made. They just don't want you to capture anything for free out of their pocket.
some advice never use a credit card they steal money
Debt consolidation is truly a fairly simple process. A consumer overwhelmed by bills from many creditors can take their debts and merge them into a single loan at a lower interest rate than they be paying. Most credit cards charge nearly a whopping 20% interest, with department store credit and other types of loans charging even more than that. If your debt is mostly credit card debt next a debt consolidation loan would be a good choice.
Unfortunately, those of us minus sufficient income find ourselves in a downward spiral, making minimum payments which mostly barely cover interest, disappearing nearly as much principle on the loan month after month. When you consolidate debt you can eliminate these high-ranking interest bills and consolidate (merge) them into one loan with a much better interest rate.
Lower interest allows you to lower payments or apply more of your monthly payments towards principle on your debt, which allows you to repay off your debts faster and more well while satisfying your creditors and repairing your credit.
You can find different information and articles here about the process of getting a debt consolidation loan, as okay as similar alternatives such as debt settlement, and even information about liquidation should the need arise. We hope this site answers some of your question about debt consolidation loans, and desire you luck repairing your credit and getting your finances back on track. read more from: http://www.lowest-apr-cards.com/...
Credit card debt?
Question:
Has anyone ever sat down and tried to amount out how long it would take them to try to be free and clear of adjectives debt? It makes you be aware of like in that is hope to finally seeing the light. Is it individual realistic?
Answer:
When trying to attain free-and-clear, never pay the minimum costs. Credit card companies are not interested in helping you bring to a zero symmetry at which point you stop paying them interest. Because of this, they almost always set the minimum set off to cover the current interest and possibly a tiny amount of principle, and you'll never get out of debt.
I individually found that the best way to wage off my credit cards be to get a sandbank loan, pay the balance down to zero, close the cards, cut them up and after pay the guard loan on time every month, and recompense more than the monthly payment when I could. Just clear sure that your bank loan doesn't hold a penalty for hasty payment.
I hold done it and I know where I stand.. so in that is hope
One way that folks try to consolidate their debt is by applying for another credit card and then transferring the match over to the new one, taking profit of the often low greenhorn APR rates. This way is really not unbelievably effective, as adjectives that ends up happening is a larger sum of money on a trial card, resulting in even better interest payments.
Another way is through consumer debt counseling, or debt consolidation. Those who choose debt consolidation requirement to realize that it will not make your debt disappear. It is individual a tool that can be used to get an individual out of debt, and and so its success will flop with the personage who wields that tool.
There is almost certainly that being within a financial hole leads to an incredible stress on the individual. Consolidating the debt will minister to to alleviate some of this stress, as the individual debtor will realize that a plan is in place to revolutionize his or her life. Debt consolidation will be set to that the monthly payments on an individual debt is lowered, and that in most cases interest rates are as economically. As payments are made, the collection agencies will begin to christen less, which will also give a hand to reduce the stress. Read more give or take a few your credit card debt at: http://www.card-gallery.com/article/178,...
Credit cards are a great source of availing credit to meet your requirements. But they can organize to a debt trap from which you will find it difficult to come out. Hence you need to hold a close watch on your credit card expenses minutely.
- Levying beefy fines.
- Imposing tough sanctions.
- Holding and destruction of the credit cards.
- Reporting you to the credit bureaus and mark you with bleak credit history.
To prevent any of the above-mentioned scenarios, whip immediate steps to rectify the problem. Opt for credit card debt headship. There are a number of methods to unhurriedly lessen and pay stale the credit card debts.
What's the significance of "expenditure sheltered: " within this invoice?
Question:
i'm sorry...i'm not american... i have to earnings this invoice:
Total due:$150
Payment enclosed:_____________
If paying by credit card please use the space below. and after i have to flood these spaces
what should i write after payment sheltered? What does it mean?
Answer:
the amount
the amount you want to discharge.
if u are paying by cheque or money order and will transport it with the invoice you shuold write $150 surrounded by the _________which is the amount due
however if paying by credit card and there are spaces below that chance to fill ini wouldnt verbs about the blank.
Its for payments except credit card
You write in the ______ the amount of the transmittal that you are sending
Write the amount of how much you are sending.
if there is a space to spread in the amount you want to repay as well, i suggest you spread it in and hand down this blank. Otherwise fill surrounded by the amount you are paying.
hope this helps
You compress in the amount you are paying (enclosing).
They want you to teem in the amount you will be paying. If you will be paying the entire match, write in $150. If you are making a partial sum, write in (as example) $75.
Actually, it is the amount that you are writing the check for. Your total due is merely $150.00 but in some cases you might just be able to convey $100.00 so you write in the blank the amount that you are in fact writing the check amount for.
Good luck and hope this helps
Write contained by the amount you are paying.
If you are paying the entire $150.00, write $150.00. If you are paying a portion of the bill at this time, say, $75.00, write within $75.00.
payment roofed means you are submitting a check or money command and what the dollar amount is.
How discouraging and how long can a foreclosure hurt and stay on your credit report, I know it is unpromising, i a short time ago stipulation to?
Question:
know how bad i am looking at?
Answer:
7-10yrs
Try: Deed within Lieu of Foreclosure
When the lender allows you to give-back your property--and forgives the debt. It does have a denial impact on your credit record, but not as much as a foreclosure.
The lender might require that you attempt to put up for sale the house for a specific time period past agreeing to this option, and it might not be possible if in attendance are other liens against the home.
Things stay on your credit report for 7 years.
i don't think you can remove that or collapse to be honest
Diana A is right. Sorry to tell you that.
It will hurt your credit chalk up, which means you are smaller amount likely to find loans and if you do you will pay significantly highly developed interest rates.
It stays on for 7 years.
It stays on your report for 10 years. Here are a few articles on the topic:
http://financialbasics.blogspot.com/2006...
http://financialbasics.blogspot.com/2006...
http://financialbasics.blogspot.com/2006...
Hope they help you numeral out exactly what comes along with file for bankruptcy
My husbands and mine stayed on for 7 years and the credit rating we get was crappy. A substantial amount of businesses snub at you once this has be done...we are still trying to get someone to supply us credit after 2 years past the 7 years. Good luck.
Dude your borrowing power is gone at lowest possible for the next 7 years, within that time do your BEST to save money. You call for to establish some sort of credit and keep making monthly payments to show a creditor that you are competent to maintain regular payments. That MAY counter any damaged credit.
GOOD LUCK!
If your losing a home you probably own bigger problems then your credit report. Have you made unpromising business, relationship, and financial decisions? You may have need of to fix those before you even verbs about your credit report. Money can be made and credit fixed but if your a discouraging decision inventor you'll never fix your credit.
my friend filed collapse in 96 - it is suppose clear your credit report after 7 years, but a few years ago they changed it to 10 years, not sure how true it is that it clears your credit report, she is still have problems with it- she built up her credit again but some credit card companies still deny her for cards because of it. I'm pretty sure a foreclosure will bring you equal grief. Contact a credit counselor for advise.
Most items will stay on your credit report for 7 to the max of 10 years. Their is no unfolding on if it will stay for 7 or 10 years, it depends on the creditor.
It will stay on the report for 10 years.
Foreclosures are credit report suicide. Most "good" lenders will not even look at you with a foreclosure on your credit report until it have been at most minuscule 3 years.
Bankruptcy can be in as little at 1 year and you can attain a traditional mortgage, maybe at an elevated rate though.
If you are looking at buying a home, you may own to do a contract sale. If that does begin, get an attorney.
I no longer grain bad going on for embarrassing credit checks and I never get hold of declined for credit. What I did be I went to http://www.creditreportzone.info... and enter my info and got my credit report restored. Try it out, you won't be dissapointed.
If I payment past its sell-by date adjectives my credit card debt contained by one big expenditure ($5700) how much will my credit evaluation move about up?
Question:
Thanks.
Answer:
Speaking as a nationally certain expert on credit, credit scores and lend (book, radio shows, newspaper columns, etc.)...
That depends completely on your credit edges, what percentage of the limits your balance are, and how many cards you hold as well as what your score are now.
In my consultations beside people on their score, I have see enormous win changes such as 40-110 points. Scores are as complex as computers programs can be.
Whatever you do, don't close any of the cards. That WILL wound your scores. If you close them adjectives, expect scores to drop 100 to 180 points.
n
There's really no agency to get an exact answer. They use an inconceivable formula for determining your score.
Very Little
It is my perception, though what you are proposing is intelligent and probably makes sense for you because you will avoid paying any more high-ranking interest charges and you can start applying the money that you were using to take-home pay on the credit card for better things such as savings and current requests, making one big payment will not relief. Here are the reasons:
1) Credit ratings are base upon available credit and potential for using and abusing. Say your max on the credit card is $8,000 and you own used $5,700. Even though you have rewarded it off, tomorrow you could turn out and run up charges again.
2) Credit agencies say, "She might hold simply borrowed from Peter to pay Paul. That method that she owes someone $5,700 plus she could run up the charges again." That is doubly bad.
3) Unfortunately, paying sour regularly and long gives you the best credit narrative. The credit card company are enjoying taking your money.
4) You could phone the credit card company and lower your limit after you income it off, that would comfort. You could even cancel adjectives your card but one. And keep that impede very low.
Unfortunately contained by the world today, we love credit and creditors like you better if you owe them. They resembling the pound of flesh, so to speak. The best thing to do is capture out of debt, save your money until that time you buy something, pay currency --- that means taking charge of your money, a bit than your money taking charge of you.
Declined for a credit card?
Question:
I have be declined for a credit card although I hold a good credit history - I just now bought a laptop on hire purchase and I have a contract mobile phone - why would this be?
Answer:
You should not own more than 3 applications for credit within 6 months on your credit report as it starts to enjoy adverse effects.
Even if you do not accept the loan/card etc, it is still noted on your narrative as a credit application and goes against you. If you check out of it 6 + months you should be OK.
I just longing that someone had informed me of this past I took out my new mortgage and edge accounts.
Once I had moved my mortgage the provider insisted I move my credit card and guard account to them as in good health for extra benefits. Each service they moved used a new credit application so when I after that applied for a loan to buy the previous owners electrical items (again I did this with several companies thinking that I be doing myself a favour shopping around for the cheapest deal) I get turned down by nearly 75% of companies as my credit rating which was once above average be now drastically poor.
Apparently you can contest this but I have have no such luck. The ironic part is that I compensated the loan back inwardly 2 months and my accounts are always surrounded by credit!
try some other card company
They have made a mistake.Try another company.
enjoy you moved address recently? that might be the point
one reason might be is if in attendance too many credit checks on you, it shows on your trw, and it's satisfactory that creditors wonder why...prompting them to follow policy not to approve
EVERY TIME YOU APPLY FOR CREDIT, A TRW IS RUN ON YOU. AND EACH TRW RUN IS RECORDED ON YOUR TRW.
GET IT?
Some companies will use different agencies in direct to receive information about you. It may powerfully be that you would be approved for a different credit card but you have to mind because the more you apply for credit the worse it looks on your record.
It could be that they get the impression that you have too much revolving credit.
some credit card companies own different ways of scoring try sainsburys they gave me one when others would not, but dont forget every time you apply it is on your credit wallet, and that goes against you
Probably a combination of 'too several credit searches' and 'not meeting one credit card's criteria'.
Solution - try an alternative application with a different lender, near a few month's gap if you can.
Unfortunately have a immaculately clean credit history is as fruitless as having a diabolical one because if you haven't bought much on credit to build your gain up then when you do come to do so companies wonder why you suddenly hold decided to do so when you haven't within the past.
It could be that someone have committed credit fraud using your name or that you may own missed a payment on your phone or laptop or made a slow payment.
I suggest you contact another credit card company for a start, secondly I suggest you check your credit history to cause sure no one is unlawfully purchasing things in your nickname.
Log onto www.Equifax.co UK, they will provide you with a copy of your credit diary for a couple of pounds.
All the best,
Andrew D
You can only really draw from to the bottom of this by seeing a copy of your credit profile from the company the card company uses...
Also check that you are on the electoral register - usually a pre-requisite for getting most foms of credit (but not necessarily a mobile phone contract).
Some companies want to see a thicker file, more credit experience. You hold a good start, it some times take 1-2 years to build