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Thardan

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Hard credit checks have made it impossible for me to have even $300 credit card. Now what?
So over the past two years apparently I've made a few hard credit checks that have lowered my score into the very poor range making it impossible for me to have a credit card. I'm afraid to fill out another application and get denied and lower my score further. I'm just not sure what to do at this point it seems like a vicious circle. I also owe unemployment about $2,000 but this is my only debt. I'm never had a credit card my TransUnion score is 580 and my Equifax score is 538. It just doesn't seem right to me that I can't apply for a card without hurting my score and I can't get a credit card with my current score. no idea what to do at this point. Please help

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Just wait for time to go by. Pay down balances if you have any. Wait 6 months to a year. Maybe you can get a pre qual letter in the mail. Capital One is good at approving with a low score.

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You should not be applying for unsecured credit cards, you should be looking to get a SECURED credit card with a lender that reports to all three credit bureaus. Do some reading on Secured credit cards in addition to all credit topics.

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