It's pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials. Compensation may factor into how and where products appear on our platform and in what order. But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you.
That's why we provide features like your Approval Odds and savings estimates. Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can. Not only did you not get the card you had your eye on, but now you have a hard inquiry on your credit. Before you reapply, you may need to improve your credit health or make other changes to increase your odds of nabbing that credit card the second time around.
You want to put your best foot forward the next time you apply. The typical recommendation is that you should wait six months between credit card applications. Beverly Harzog, former CPA turned consumer advocate, explains that the amount of time you should wait in between credit applications depends on what else is in your credit. If you were rejected because of too many hard inquires, Harzog recommends you wait at least four to six months before applying, or possibly longer.
On the other hand, if you were rejected because your credit scores were too low to get the card you wanted, you might need time to improve your credit. How long this takes can depend on your personal situation. To dispute information in your personal credit report, simply follow the instructions provided with it. Your personal credit report includes appropriate contact information including a website address, toll-free telephone number and mailing address.
To submit a dispute online visit Experian's Dispute Center. If you have a current copy of your personal credit report, simply enter the report number where indicated, and follow the instructions provided. If you do not have a current personal report, Experian will provide a free copy when you submit the information requested.
Additionally, you may obtain a free copy of your report once a week through April at AnnualCreditReport. Editorial Policy: The information contained in Ask Experian is for educational purposes only and is not legal advice.
You should consult your own attorney or seek specific advice from a legal professional regarding any legal issues. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy.
Opinions expressed here are author's alone, not those of any bank, credit card issuer or other company, and have not been reviewed, approved or otherwise endorsed by any of these entities. All information, including rates and fees, are accurate as of the date of publication and are updated as provided by our partners.
Some of the offers on this page may not be available through our website. Offer pros and cons are determined by our editorial team, based on independent research. The banks, lenders, and credit card companies are not responsible for any content posted on this site and do not endorse or guarantee any reviews.
Advertiser Disclosure: The offers that appear on this site are from third party companies "our partners" from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.
Once you click apply you will be directed to the issuer or partner's website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms — and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty. Experian websites have been designed to support modern, up-to-date internet browsers.
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The use of any other trade name, copyright, or trademark is for identification and reference purposes only and does not imply any association with the copyright or trademark holder of their product or brand. Your rejection notice might mention your credit score as a factor in the decision. If so, it will say you have a right within the next 60 days to request a free copy of the credit report used in the application decision. Get that report and read it.
Errors are common. If you find mistakes, dispute them in writing with the credit bureau. Examine the information you provided to the issuer in case you accidentally made yourself seem less creditworthy.
It's not just fat-finger mistakes that can trip you up. You also need to know what counts as income. Most issuers don't specify how applicants should report income, so some report only their own independent earnings.
But applicants over 21 can report income to which they have "reasonable expectation of access. They can report a partner's income and more easily qualify for credit. Sometimes it's best to accept the decision and apply for a card you're more likely to receive.
But if you think you were close to meeting the issuer's criteria, call its customer service line and ask for a reconsideration.
Plead your case by explaining why you would be a good customer. Suppose you were rejected because of a day past due payment from a few years ago. Describe how you've improved your credit habits, and reassure the representative that you'll be a good customer.
The representative doesn't have to honor your request, but you might be able to talk your way into a "yes. Call and ask. If you have bad credit or no credit, consider applying for a secured credit card , which is a card that requires a security deposit.
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