Why can't I get credit/loans?

Late payments are a very big deal to the banks. Also, exceeding 30% of your credit limit at any time is very bad. It's best not to go out applying for a lot of credit at one time as that will ding your score as well.

You can get a decent used car for under $10,000. Perhaps that's something you should consider, assuming you were wanting a new car.

Good luck.

Your debt to income ratio is probably part of it. Late pays are killers when there is any question, otherwise they may be taken lightly. But a maxed out credit card isn't good as well. WF did lower a lot of college credit card limits, or young adults. When the economy started going south they were proactive in staying out of trouble, their perameters for credit cards have changed. It may be in your best interest to keep the credit cards you have, pay the one with the large credit line down, enabling you to have access to cash.

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