conversation: User (ACorporateFatCat): "Hey guys. So a brief history about my credit information. I am 22, probably about 3 years ago I went to a dentist and never paid something and it got sent to collections. It was only 96 dollars, I paid it about a year ago, but it never got sent to the credit companies, till about a week ago when I called and got it sorted out. It is now removed from all three companies. A few months ago I was denied for 2 credit cards, both Discover, one being a secured card. The reasons for denial were that I had that in collections and there was also another one that had to do with information.. I'm not sure what it said. Anyway, I have 8 hard inquiries on my credit report. My credit score is 605 on Transunion and 615 on equifax. I have one car loan that I have a perfect payment history on (it's been about 4-5 months). However, I have never been approved for a credit card, and I can't understand why. I want to try again now that the collections is off of it. But I am worried that I will just add another hard inquiry for no reason. Does anyone have any advice if I should wait, or should I try again and see what it says now? Thanks!\nIf anyone needs anymore information let me know!"
  Self: "You may find these links helpful:\n\n- [Credit-related wiki pages](http://www.reddit.com/r/personalfinance/wiki/index#wiki_credit)\n- [Credit Cards](http://www.reddit.com/r/personalfinance/wiki/creditcards)\n- [FICO / Credit Scores](http://www.reddit.com/r/personalfinance/wiki/fico)\n- [Improving Credit Scores and Building Credit](http://www.reddit.com/r/personalfinance/wiki/credit_building)\n\n*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/personalfinance) if you have any questions or concerns.*"
  