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iCalen

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Denied a secured credit card with 600 score
I have one account that went to collections for $300. I have student loans but they're not asking for the money yet as I am still in school and have no other bad marks. My score was 650+ until a Cap One hard inquiry knocked me to 604. I never applied for it so I had them start an investigation. Recently, I saw the secured credit card so I applied and was denied. I don't understand!
I have no debts or bad marks just lack of credit. I literally owe one account and thee aren't any bad marks on my credit. I think I was denied because of the cap one investigation. That's the only thing to make sense. I had a good score and I don't know why I was denied a secured card. I'm trying to build credit here.

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Please read the articles on this site so you can understand credit thoroughly.  That account in collections is more likely the thing that hurt, plus you didn't mention any-thing about your income.  That has to be at a reasonable level, too.

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