Why does it seem to be a sham?

I get offers from credit card companies sayin im preapproved but when i apply they deny me there has to be a way to get better credit

Why does it seem to be a sham?title loans

FYI. Every time you request a credit card, that company pulls your credit report. Requests for credit reports and subsequent denials can negatively impact your credit rating.

Suggest you take a look at where your at from their perspective. Get a copy of your credit report free at www.annualcreditreport.com. By law you are entitled to 1 free credit report a year from each of the three credit agencies. Knowing what%26#039;s on your report, disputing errors, and being judicious with your own credit activities will help raise your score.

The credit report will give general information and charge $5-10 for your credit score. Recommend you pony up the couple dollars to see where you%26#039;re at (no need to sign up for their annual plans though - credit score will be enough to start with).

Why does it seem to be a sham?

loan

? ? because it is , they got your name off of some list....if you have a really hard time getting credit go to your bank and get a secured card ? ?|||If you can do it, try to not need credit at all. Save your money and don%26#039;t pay it to the credit card companies or the banks.