Comments | alwaysontime: (без темы)

alwaysontime

(Untitled)

Jan 11, 2006 12:31

so i'm bummed out. i've applied for 3 credit cards in the last 24 hours and have been denied by 2 of them. student creditors have denied me credit. i'm trying to fucking establih my credit, damnit! i'm trying to build my future and i can't even get a start.

Comments 6

shoetrumpet January 11 2006, 19:05:30 UTC

that's exactly what has happened to me. it sucks. i don't know what we are supposed to do.

hazelnut9779 January 12 2006, 17:14:50 UTC

Maybe if you would pay that one credit card you have ON TIME... HAHA! I love you I'm just messing with you!

alwaysontime January 12 2006, 21:42:30 UTC

well if that isn't the pot calling the kettle black!

hazelnut9779 January 14 2006, 04:23:27 UTC

WHO BETTER TO TELL YOU THAN THE GIRL THAT OWES THE CREDITORS THOUSANDS??!!

jenna811 January 14 2006, 17:47:51 UTC

Get a credit card with a annual fee. I know some ppl w/ bad credit that did that. And they would charge like a pack of gum and pay it off. :) Or..... you can find one that DOES accept you, and it might have outrageous interest rates, but just pay it off on time...and you'll be fine.

Not to mention... applying for tons of CC and getting turned down kills your credit. be careful with that!

credit cards and scores anonymous January 15 2006, 04:24:17 UTC

I am, like you are, shocked that the companies that are targeting students are turning you down! When I was a freshman at Berry, I applied for one of the cards that Berry stuffed in our bookstore bags and mailboxes. I'd never had a job before, had no income, and had no credit whatsoever -- then again, it was 1996, too, so maybe things have changed. Oh, wow, I feel very old now.

Since you are being denied credit, though, you can get a free copy of your credit reports from the credit agencies. Your probably don't have much on your credit report, but you never know what might be on it. My mother's and sister's reports had info mixed on them and I've known others whose identities were stolen and they didn't know it for a long time. Most likely, though, you just don't earn enough $.

Best of luck with getting a card and building positive credit scores.

Bill Gee, 2001 C, former Memorial Library reference assistant
(Before moving, I attended some Listen meetings in Sept/Oct.)