You pay your bills on time and never miss a payment. If you’re still having trouble with credit, something on your credit report could be scaring lenders. Different lenders zero in on different credit report items. So it’s entirely possible that, even for the same loan, no two lenders will see your credit history in exactly the same light. Here’s one item that could scare lenders:

A lot of inquiries
This is similar to soliciting a lot of new credit. When lending standards tightened, a lot of borrowers, especially subprime borrowers, were having trouble getting credit. That meant that they had to apply multiple times to try and get what they wanted.

And if you’re applying for a home, auto or student loan, you can minimize the damage by making all of your applications within a two-week period. When you do that, the score bundles all the similar inquiries and treats them as one. Unfortunately, there is no similar grace period for credit card applications.

If you need a good, reputable lender, give me a call. I have a long list of lenders to choose from for your specific needs. There are many programs out there and it depends on your situation and which lender is approved for the program that will fit you best. A few examples are:

you are a doctor, or a lawyer

you were or are in the military

you had a short sale (2 years ago/4 years ago/kept current on your payments/did not keep current)

low credit scores

need a jumbo loan

have little downpayment