I am a hispanic woman. My last name is clearly hispanic. I need a credit card for my job. I have been paying on time and repairing my score for over 2 years. And yet, every single card I apply for tells me I have delinquent or collections on all three of my credit reports. I have diligently kept up with each of those reports and have disputed each discrepancy. When I look at my report it's not bad. There is not that much on there that shows bad debt or even the other stuff that can bring your score down.