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Rebuilding Credit, The Sonicfrog Way – Or – Why Can’t Things Ever Be Easy For Me???? UPDATE

This is something I posted on facebook a couple of weeks ago and meant to post here.

Consider it posted.

I have worked hard to rebuild my credit in the aftermath of the Great Recession. But, being me, I have weird problems; nothing goes normal.Somehow, Experian had my credit at a 0 rating, and that cost me due to the high interest rate I ended up with when I bought my car a couple of years ago. I didn’t think that much about it and thought it was a blip, a failure on the part of the dealership I purchased the car from. I registered on Credit Karma, and there was no hint of a 0 credit score there, so I forgot about it. Meanwhile, I’ve been on a credit repair program with my bank,including a secured credit card, for a couple of years. By this summer, my credit score had gone a hundred points, and all looked good... Until...

In July, I went to the bank to upgrade my credit. I applied and found out the 0 score was not a blip, but a real score that kept me from getting the credit card upgrade. I contacted Experian and eventually got that problem resolved. They had no idea why my score was 0, but it got fixed. So, in late September, I went back to the bank, and this time everything looked good.My unsecured credit card was approved. They would close the secured account, and I would get the regular card in a couple of weeks.

A couple of weeks passed. No card in the mail. Another week, and then another week went by. I finally called the bank, and they don’t know what happened, but they don’t have record of the card getting issued. So now I have to reapply. 

But, SURPRISE!!!!!!!!! Now there is a problem. 

Because of all the inquiries to fix my 0 credit score, two inquiries to get the new card, and the closing of my secured card account, that caused my credit score to dip 20 points. And gee, that cause my score to go down 20points, which puts me below the threshold to get the new card.

Again... I never can do things like normal people do.

UPDATE: Since I originally wrote this two weeks ago, things have happened. I got a call from the bank yesterday letting me know that yes, the card has been approved and is on it’s way. Then I get home, and in the mail is a notice saying my application has been denied.

I can’t win.