The negative consequences of a credit rejection are real only if you make it so. Reject their rejection.
"There is no 'perfect' time to start."
Your credit is messed up and you can't get a loan.Lets start with a free credit report. A real free credit report from "annual credit report.com".
It'll have some painful memories but lets start to add new memories that are going to get recorded on your credit report moving forward.
Lets get organized.
Your Trans Union credit report get its own folderYour Experian and Equifax gets filed separately.
Use the 3-2-1 rule where you don't charge more than three times what you can pay off in a month, have two credit cards that add positive info to your credit reports and do ONE thing a day to raise your credit score or reduce your debt