Find the best credit cards and credit card offers on the web
  CREDIT CARD HELP TOPICS
HOME

CARDS BY CATEGORY

Special Credit
Card Deals
0% Balance Transfer & Purchase Low Interest
Credit Cards
Business Credit Cards Reward Credit Cards Instant Approval
Cards
Student Credit Cards Customizable Credit Cards Prepaid Cards Gift Cards

CARDS BY
CREDIT RATING

Cards For People
With Good Credit
Cards For People
With Fair Credit
Cards For People With Bad Credit Cards For People With No Credit History

CARDS BY
BANK OR ISSUER

American Express® Capital One® Chase Citi® Cards Discover® Cards HSBC Cards First PREMIER® Bank PartnersFirst MasterCard® Visa® More U.S. Banks Canadian Cards U.K. Credit Cards Australian Cards Belgium Cards Norwegian Cards

OTHER RESOURCES

Credit Card Comparison Guide Credit Card
Search Tools
Credit Reports and Monitoring Credit Card News/ Information "Charge-it" Credit Card Blog

RSS Feed RSS Feed RSS Feed
RSS Feed RSS Feed
RSS Feed RSS Feed
Bookmark and Share

Insufficient Credit History

Sometimes you may be denied credit, simply because your credit report contains too little information about your record of paying off past loans and handling debt. This may occur if you are young, or if for any other reason your have no or only a short credit history.

If this happens, make sure that your credit file reflects all your credit accounts. Certain accounts, such as some department store credit cards, along with travel and gasoline cards are typically not included. If you are denied credit because of an “insufficient credit file,” you can ask the credit reporting companies to add these credit accounts to your file, so they become part of your credit history. You may be required to pay a fee for this service.

Published: May 22, 2009

| Best Credit Card Offers With Online Applications | 0% APR Balance Transfer | Cash Back Cards |
| Low Interest Cards | Airline Miles & Travel Reward Credit Cards | Business Credit Cards |
| Gas Rebate Credit Cards | Car Rebate Credit Cards | Instant Approval Cards |
| Establish Credit, Credit Cards | Student Credit Cards | Prepaid Cards |