Hi, and welcome! We’re happy to have you here!
Sorry to hear about being denied for the cards you applied for.
It sounds like you’re looking to rebuild your credit, which is awesome. I’m unclear if you already have secured card now?
If so, you can start to rebuild your credit today with any active and open credit cards.
Here’s how to do it:
- Pay off any balances that you have in full.
- Continue to pay off your balances in full each month.
- Always pay your bills on time.
- Use the card consistently - generally, just once a month should work fine. Putting a small charge on your account(s) each month and paying it off in full is a great way to build your score.
It sounds like you may have previously filed bankruptcy, is that right? If you’d like to share more about that, (timeline, etc.,) and what your overall financial goals are, that could help us steer you in the right direction.