My best friend 2 years ago filed for bankruptcy. She was forced to close all her accts. She had delinquincies in her report. She got a credit card for bad people with a low revolving line. In 2 years she has 4 credit cards and a good credit score. I have an unsecured credit card with a 0 limit (not even close to being maxed out) and another card on a debt management program. For 3 years I have paid more than the minimum on each card (the 0 card and paid MORE than what debt mgmt. co negotiated) I have always paid before the due date. I have a school loan that I pay on time all the time and never missed a payment. Her credit score is EXPONENTIALLY higher than mine while mine has staid in the high 500′s for a long time. AND when I just applied for a store credit card I got denied. I asked if my 0 limit card could be raised to 0 – and was denied. My 3 credit reports from last week don’t show anything out of the ordinary. I cant figure out why I was denied credit.

Tags: 3 years, accts, bankruptcy, best friend, credit cards, credit reports, Credit Score, debt management program, debt mgmt, due date, long time, school loan, store credit card, unsecured credit card