We Got Rejected for a Credit Card Because We Had Been in Credit Counseling. – Lyna

“Dear Steve,

I just finished paying off my credit cards thru credit counseling, bought a house.

I then applied for credit card, got denied due to being in credit couseling.

How long should I wait to re-apply again?

In the mean time, what could i do to erased the credit counseling on my report?


Dear Lyna,

Do You Have a Question You'd Like Help With? Contact Debt Coach Damon Day. Click here to reach Damon.

When you enroll in a credit counseling program the credit cards you place in that program are generally closed by the creditor.

The issue you are facing is not that it might be reported you were in credit counseling but that there is a lack of recent credit usage reporting.

I don’t think it was solely the fact that you were in the program but that it might have been a number of years since current good credit has been reported on your credit report.

It’s actually very easy to rebuild good credit again, just follow How to Easily Rebuild Your Credit and Have Good Credit Again.

That will do the trick for you.

Please post your responses and follow-up messages to me on this in the comments section below.

Damon Day - Pro Debt Coach

Follow Me
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
Steve Rhode
Follow Me