Why do i still get declined for credit cards even though I have a high credit score?

Question

i have been declined for 3 credit cards ( 1 was from my old bank)

when i ran my credit report ( twice) it came up 992........ pls help

Answer 1

Maybe because you're a big fat liar. Your credit score can not be 992. They just don't go that high.

Nice try though.

Thanks for the additional details now we really know you are lying. Your phone bill would not be on your credit report. Regardless of what is on your report your score still can not be 992 because scores do not go that high no matter what scoring system is used.

Answer 2

i'm no expert but i know u cant have a credit score of 992.  not even bill gates can do that one, sorry.  but when u look at your credit score u got to look at what they call a plus score.  your PLUS SCORE IS YOUR CREDIT SCORE.  

Answer 3

Go to myfico. com and order your real scores, do you have negative items on your reports, judgements, bankruptcy, or collections? Some credit card companies don't like to see these types of baddies on your report, and they don't like to see a lot of inquiries. You could have a high score, but not that high and if you don't have any credit cards, you have a thin file, you need to try a Department store, possibly a Jewelery store first, Creditors like to see at least 1-3  revolving trade lines with good payment history.Hope this helps! Good Luck.

Answer 4

FICO only goes to 850.   VantageScore goes from 501 to 990.  If the only thing on your credit file is a car loan, there is no way you have such a high score.  Your phone bill doesn't report to the credit bureaus.

Creditors use FICO.  Go to MyFico.com and find out what your real, up-to-date FICO score is.

Also, other factors are considered besides your score. Things like your income and employment history go into the creditor's decision to extend you a credit line.

Answer 5

No sure where you can up with 992 but the highest score is 850. And trust me if you have a high credit score they would be giving you lots of credit cards so I know you have a low score.

What does the phone bill have to do with anything the only time they report is when you dont pay and it goes to collection and and big deal on time car payments for 2 years. Try making your mortgage, cars and 5 credit card payments for 20 years with no lates then you will have a high score in the 800, but there is NO credit score of 992!!!!!!!!!!!!!! And like I said if you had a high score you would not be declined for a credit card!!!!!!!!

Answer 6

When you are declined for a credit card, they are required to tell you WHY you were declined.  Ask them.  And the other answerer is correct...you can't have a 992...don't know where you got that number from...??