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Steve8293

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can't get credit report
I am a student trying to get my first credit card but I am having issues. I have never had a credit card before and do not know why I would have a credit score. I applied for a Capital One student card and was denied with a message reading "proportion of revolving account balance(s) to income is too high." I do not understand this because I have no revolving accounts. I am currently employed and my bank account is my only financial account. Another weird thing is that it says my credit score is 745 (reported by Equifax) and it lists other reasons I was denied including number of established accounts and amount owed on revolving account is too high. Again, I do not have any revolving accounts. All of this is weird so I decide to get my credit report online but it says it cannot give it to me online because it cannot verify my identity, and that I need to mail in out the provided form and a proof of my social security number and address. I filled out the form requesting my credit reports and sent it in to Equifax with copies of my Social Security card and driver's license. I then received a response in the mail saying the information I sent in does not match the information they currently have on my credit file. I received similar letters from Experian and TransUnion, none of them giving my me credit report. I do not understand how they cannot identify me if I sent in a copy of my Social Security card and driver's license. I would think this is because I do not have a credit report, but Capital One told me Equifax reported my score to them and they have all these reasons why I was denied a credit card. Basically I do not know what to do at this point, so any help would be appreciated.
I am a student trying to get my first credit card but I am having issues. I have never had a credit card before and do not know why I would have a credit score. I applied for a Capital One student card and was denied with a message reading "proportion of revolving account balance(s) to income is too high." I do not understand this because I have no revolving accounts. I am currently employed and my bank account is my only financial account. Another weird thing is that it says my credit score is 745 (reported by Equifax) and it lists other reasons I was denied including number of established accounts and amount owed on revolving account is too high. Again, I do not have any revolving accounts. All of this is weird so I decide to get my credit report online but it says it cannot give it to me online because it cannot verify my identity, and that I need to mail in out the provided form and a proof of my social security number and address. I filled out the form requesting my credit reports and sent it in to Equifax with copies of my Social Security card and driver's license. I then received a response in the mail saying the information I sent in does not match the information they currently have on my credit file. I received similar letters from Experian and TransUnion, none of them giving my me credit report. I do not understand how they cannot identify me if I sent in a copy of my Social Security card and driver's license. I would think this is because I do not have a credit report, but Capital One told me Equifax reported my score to them and they have all these reasons why I was denied a credit card. Basically I do not know what to do at this point, so any help would be appreciated.

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