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Aldr4

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Why with a score of 601 am I still being denied credit with everyone and thing??

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Many Reasons

That can be answered by looking at your credit report (yourself). When you view it, do you see any late payments, short credit history, lots of inquiries,etc. That could be why. 601 is considered bad credit, so I would advise you to seek out a secured card and use that to rebuild your credit. Cap One approves most, so start there.

Fingerhut is another great way to go that adds a mix of accounts to your report and that is 10% of your credit score. They also approve most so that is a good way to start building your credit profile as well. Late payments are 35% of your score so if you have ANY, lenders frown upon that but with other good accounts they will overlook them. Do you have any positive accounts reporting on your credit report, and if so, how long have they been there?

There are a lots of reasons, but your credit report will definitely point you in the right direction. Also, the denial letters will tell you why that particular account was not approved, look at those too and remedy those things. :)

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601 is not good and if you are getting that score here it probably is not being used by lenders anyway. Most lenders use a version of FICO scores, so check to see what they are. Spend some time reading everything that you can about how to build/rebuild credit, there is a lot to know. Any specific questions along the way, feel free to ask.

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Don't know where one gets the idea that 600 is not only an good score, but it's a sure thing when applying for credit products. Even scores of 700 are iffy at best half the times

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When you have low scores, what makes your score low is more important than score itself.

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