No Turn Down Credit Card
What Credit Cards do I Qualify For?
 Free Credit Search is a completely FREE web-based resource for credit card seekers. We provide real-time unbiased information to help you make informed decisions about your credit. By filling out our credit profile you can find out which banks will approve you BEFORE applying! All information submitted on the application profile will be used to conduct a search of lending institutions which are willing to issue you a credit card(s) based upon your current credit, income and employment. You must be 18 years of age or older and a citizen or permanent legal resident of the United States with a verifiable permanent U.S. home address and a valid social security number. You must reside within the continental United States including Hawaii and Alaska. When you use our service, you will receive FREE results with the following information: -The number of credit card issuers you qualify for.
-The type of credit cards available.
-Credit limit range offered.
-Quick one-click access to apply for these cards |
Your no obligation FREE results will be available within minutes of submitting your application. We will not pull a credit report to complete this search. Your results will be emailed directly to you after your search is complete. Find the Credit Cards YOU Qualify for NOW!Turned Down for Credit?
If you have been turned down for credit, the lender is required to tell you the reason for the turn down.
Lenders will often describe in a letter the reason you were not approved. Sometimes the letter will tell you to contact them for that information.
Do not hesitate to ask them for a clear explanation of the reason for your rejection. They are required by law to tell you.
If the reason included details found in your credit report, you should find out which credit reporting agency they used. There are three major credit reporting agencies:
,
, and
You are entitled to get a free copy of your credit report from the agency that was used to deny you credit. You must request your free credit report within 60 days of your turn down.
If you find mistakes in your credit report you should document the error. That is, if there is a record of an unpaid debt on your credit report and you either paid the debt or the debt is not yours, you need to document that fact.
If you paid the debt you should try to get a statement from the store or company you paid. The statement should indicate that the debt was paid.
If the debt is not yours, you should seek proof of the debt from the store or company. Often, this will be in the form of a signed contract or a credit card slip. If the signature is not yours, you can then contest the debt with that store or company.
Once you have the documentation that the debt was paid or is not yours, you can mail copies of those documents to the credit reporting agency. They must investigate the items on your credit report and remove them if they are in error.
During this process you should record the dates and a brief overview of each conversation or letter you exchange with any group involved.
Contesting errors on your credit report can be a lengthy process. If you do not want to take the time to be personally involved, there are several alternatives.
Two Methods that Help You Dispute Items on Your Report - For a Powerful One-Time Upgrade of Your Credit Report
Lexington Law is a Law Firm specializing in credit report repair. They have helped over 80,000 Americans improve their credit scores by removing inaccurate, misleading, or unverifiable information from their credit reports.
"It's amazing what a letter from an attorney can do!"
The Lexington Law Firm is member of the online BBB and offers consumers a performance warrantee. From bankruptcies to charge-offs to tax liens, Lexington Law Firm has challenged virtually every credit problem under the sun and deleted over 600,000 such items to date. Lexington Law's service is backed by a warranty which entitles you to some or all of your money back if enough disputed items aren’t deleted. Put simply, they don’t believe you should have to pay for ineffective service. "If we can’t deliver, you’ll be reimbursed."
- Do It Yourself Credit Repair
Credit Secrets is an easy to follow manual that shows you the loop holes and details regarding fixing bad credit, removing negative items that are on your credit report, and adding the elements you want creditors to know about. If you've had late payments, repossession, or even filed bankruptcy, this guide is your ticket to getting your credit report back on track.
You'll learn everything you need to know to repair your own credit, including:
- The Inside Secrets of Credit Repair
- Six Credit Card Secrets Banks Don't Want You to Know
- How to Establish AAA Credit in 30 Days
- What to Do to Stop Collection Agencies in Their Tracks!
- How to Wipe Out Debts WITHOUT Bankruptcy
- Guerrilla Tactics that will Give You a Good Credit Rating
- How to Dispute Credit Report Errors
- Sample Credit Repair Letters
Get on the right track to Credit Repair today.
Credit Report Scores - Computing Then
Your credit report scores are based on factors that appear in your credit reports:
- Bill payment history (Good: on time and for the full amount)
- Total outstanding debt (Good: non-mortgage loan payments less than 5% of gross income)
- Types of debt (Good: mortgage, car loans, Bad: high credit card debt)
- Length of credit history (Good: 3 or more years of on time payments)
- Credit inqueries (Bad: many rejected applications)
The Equal Credit Opportunity Act (ECOA) prohibits certain factors from being used in determining your credit report score:
The Equal Credit Opportunity Act provides actions for you to take if suspect unauthorized factors are being used to deny you credit.
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| Link text: | Credit Report Scores - See and Improve Them |
| Description: | Credit report scores affect your ability to get a loan, buy a home, and even get a job. Find out how to see and improve your score. |
| Link to: | http://www.credit-report-scores.us |
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