Grrr... Darn Criminals...

July 05 2007

Last month I applied for my first credit card through Suntrust. The lady at Suntrust predicted that there would be no problem for me to get approved for one. Well I didn't get approved. My parents and I came to learn it was because of something in my credit report. But I don't have a credit report. So, my parents and I figured that someone must have gotten a hold of my identity and used it to get a credit card and mess up my credit.

 

So we sent for a request for my credit report. And now they say they can't send me one, because I either 1.) don't have a credit report or 2.) didn't supply them with enough information. Well, I'm pretty sure I sent enough info, but I also know that I shouldn't have a credit report. But Suntrust denied me for something in my credit report. Or was it really my lack of a credit report? Capitol One is usually happy to obloge with being my first credit card and have sent me numerous opprotunites in the mail, but they have suddenly stopped. They check credit reports, so is there something wrong with mine? Or did they just get tired of rejection? As I said, I personally don't have a credit report, but I don't know what any criminals out there could be doing under my name!  So I don't know what to do with all this. But after college I would like to buy a house, but in order to do that I will have had to established credit! But no one will directly tell me what the problem is, thus, no one is helping me, this  the problem cannot be solved, thus I cannot have good credit! AUGH! 

 

Anyone have any advice or knowledge about this? 

Rebekah Minor

July 05 2007
just go to freecreditrepot.com its easy!

Rebekah Minor

July 05 2007
oops! freecreditreport.com !!!

Patrick

July 05 2007
well the big misconception is that you have to have a credit card to build credit. it's not true. i would think again about getting a credit card.

Nathan Moore

July 08 2007
Although identity theft is huge right now, your application was probably denied because of the lack of credit history... And sometimes, companies like Capital One will stop sending you stuff on a regular basis if you never respond. So, I would just sit tight and wait for another one - something will eventually come in the mail. However, I would not recommend getting a credit card... they are easy to get entangled in. And when purchasing a house, you can go to a bank/credit union that does what is called manual underwriting... that is when they look at your circumstances, job, income, etc. rather than just relying heavily on your credit score - but I would think you would have to have a secure job for at the very least 6 months or so before you could go that route... But, that may be the best way because you could simply tell them that you do not want to get credit cards to get in debt more... that is actually a positive thing because it means you will have more money than someone that has to pay $500 or more per month to pay off credit cards. Just a thought...