My highest credit score is 665 and my lowest is 618. I still have a few negative things on my credit profile, and I keep getting denied for credit cards and other things. I currently have no credit cards reporting on my credit profile. I did have one credit card in the past that I stopped paying, but I have since paid the balance off completely.
I honestly don’t have a lot of credit history, so I’m trying to understand why I keep getting denied for things even though my credit score is improving. Could my limited credit history and the previous unpaid credit cards late payments etc be the reason?