RBS Bank Kroger Mastercard Approved for 6K ! Pulls EFX only 682

[heirophant]

Still waiting on my results, but TC said they pulled EQ.

[Anonymous]

they pulled experian for me when i applied for a loan 2 days after applying for an account which they pull EQ

[Anonymous]

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@Anonymous wrote:

Hmm ok well I went for it and no auto approval for me

Thank you SUSAN ******N for applying for the 1-2-3 REWARDS™ MasterCard®! We are currently reviewing your credit card application. Upon approval of your application, we will send you your new credit card, a Credit Card Agreement and a Privacy Notice within 7-10 days.

If you would like to check the status of your application or if you have any questions, please do not hesitate to contact us.

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So I called them and they said they need a copy of my Social Security card and will send me a letter - CSR also commented on the amount of new credit and I explained that I only received my SSN a year ago (immigrant from the UK) hence why I only applied for credit in the last year... we'll see

[Anonymous]

They denied me for having a 4 year old paid judgement on my report, even though I have 5 open trade lines with perfect payment history and always pay over minimum, average age of accounts is 3 years ,  19% utilization, and a 686 EQ score. I am so sorry I applied. Thought based on some others experiences, I might actually qualify.  Apparently I will never be able to get a decent card with a decent limit (highest now is $2500 ) until the judgement comes off someday in the distant future, even though my current history is pretty darn good. -sigh-

[Anonymous]

They delined me, said too many new accounts. 

[rom828]

I'd been thinking of apping for this one since  I get my gas at Kroger all the time for the dime savings (also where I grocery shop) but after seeing above posts, I'm really hesitant.

Current EQ Fico is 691...down a little from re-fi inq and new acct.

I have a PR for paid state tax lien (wont drop til 04-11) and I have a CO due to drop 06-10.

All other accounts have perfect pyt history, 20% utilization, average age 5 yrs.

I do, however, have new cc accts from 10-08 and 12-08, car loan 11-08 and now re-fi as of 03-08.

Is a PR the same as a judgement?  And how many new accounts did they consider  "too many"??

[Anonymous]

What was your score when you applied?

***********************************************************************
800FICOwannabe
05/04/09 - FICO scores: EQ - 660, TU - 647
04/21/09 - FICO scores: EQ - 711, TU - 642
02/28/09 - updated Tri-Merge: EQ - 699, EX - 651, TU - 571
09/01/08 - starting scores (Tri-Merge Morgtage Enhanced):
EQ - 607, EX - 556, TU - 534

[Anonymous]

My oldest account is 1 yr 6 months with captial one auto.  Next is 12 months with 1st premier and credit one.  I've been rebuilding, and have one the battle against all the baddies, so only the default paid student loans show up, set to go away april of next year.  I have added 2 capital one credit cards, walmart, dillards, jc penney, circuit city, american eagle, indigo mastercard, hooters mastercard, juniper itunes, la capital fcu visa, and hsbc discover in the past 7 months.  My util is 9% as I pif each month.  Only card with a balance is walmart on a 0% for 12months on a tv.  She mentioned all my history is too new, so really the "too many new accounts" is really that all my accounts are really new.  I have some older history still showing up such as a paid mazda car loan that was never late and a citgo gas card opened in 97 and closed in 2001 I was never late on.  I'm at a point where I just need to stop applying and let all this credit age.

[heirophant]

Just an update, I was denied for the Fred Meyer Rewards Card.  CSR said I have credit already.  I said, "yes, yes I do.  But I don't have double points and extra savings on gas when I shop at Fred Meyer and I want to axe 2 other cards."  She didn't respond to that and said, "and what about these medical collections."  I said, "They are all past the statute of limitations.  I would pay, but don't see any advantage to it at this point as they would not fall magically off my credit report."  Just being honest.  I also pointed out I haven't had any negatives in over 3 years.  She said she couldn't approve me and said I could get a free copy of my credit reports.  I told her I know exactly what is on it and hung up.

I guess I was kind of mad, but they dangled that preapproval at the register and I couldn't resist.  I am really mad because they also declined me just over a year ago, too.

[Anonymous]

ROM-

I wouldn't waste the inquiry andpossible denial.  From what you listed, we have very similar history/reports, and I was denied.  Take it for its worth..CCC's treat similar people differently all the time. A PR is the same as a judgement as far as I know,  and my paid judgement was the reason I was denied, even though my recent history is great.