Hello. My credit has significantly dropped in just the past year from trading in my car and getting a new car, and pulling my credit way too many times. Also, I have 2 credit cards with full balances. I pay my bills and am not late, its just the fact that I have so many loans open at the time. (2 credit cards and a car loan). I applied for Care credit and got denied. This makes me think everyone will deny me. other options please?