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Experian and denials x 3!

Experian and denials x 3!

My scores have improved greatly within last 2 mos. I've even gotten 3 collections and one old closed neg. account removed! Now in low 600's on both EQ. and TU. Experian however does not love me, still in 500's with them. I decided to try and app for a higher limit card. I searched for which cards pull TU/EQ as they have my highest scores. Tried Paypal, Amazon rewards and Walmart. Wouldn't you just know all 3 pulled Experian!!! I got instant denials from Walmart and Paypal. 30 day notice from Chase/Amazon rewards. which will propably result in a denial though they pulled both EX and EQ. Disappointed to say the least. Will head to the garden and try again 6 mos. down the road. I thought about trying for credit union but now don't have inquiry to waste. Suggestions welcomed.
10/17 453-TU, 511-EQ, 544-EX
01/18 604-TU, 580-EQ, 561-EX
1st goal 600's across the board

Cap 1 Platinum secured $400/Discover It secured $200/Ashley Stewart $250/SimplyBE $250
Message 1 of 12
11 REPLIES
New Contributor

Re: Experian and denials x 3!

Your scores still need to come up quite a bit. It's going to take time. Wait a few months and then try another Cap One card. They are good for rebuilding credit. I'm not sure if you'd quality for a Venture card but you may have a shot at Venture One or Quicksilver. Good luck! 

Amex Starwood, Amex Hilton Honors Ascend, Amex Gold Delta, Amex Every Day, Amex Premier Gold, Barclays Arrival+, Barclays Rewards, Capital One Venture, Capital One Venture One, Capital One Quicksilver, Capital One Platinum, Chase Freedom Unlimited, Chase IHG Rewards
Message 2 of 12
Highlighted
Established Member

Re: Experian and denials x 3!

I would go with the Discover it secured card, you have to put a deposit but they send it back in 9 months I believe. Charge it and pay if off. Worked for me when I was rebuilding.

Message 3 of 12
Community Leader
Super Contributor

Re: Experian and denials x 3!

Thanks for sharing your story. You are doing great. Just need some more time . Check out our rebuild forum to get some excellent advice . Many have gone or are going through what you are experience and youll find lots of great tips there. Best of luckSmiley Happy
To obtain Credit One Kenobi status upon 0/24 is to Garden Harden!!
Message 4 of 12

Re: Experian and denials x 3!

Thank-you! That's what the Chase recon line person told me as well. Reason for denial was because credit isn't old enough. Was told what I have is good and looks good but that it's just too new. Now that I've had a chance to lick my wounds, the positive I take away from this experience is..
1. my score in itself is no longer a drawback!
2. if I keep doing what I'm doing(thanks to advice taken from this forum) I'll be golden in a few more months and platinum after about a year!
3. waiting isn't going to kill me! I waited 21 years for my first drink! lol
10/17 453-TU, 511-EQ, 544-EX
01/18 604-TU, 580-EQ, 561-EX
1st goal 600's across the board

Cap 1 Platinum secured $400/Discover It secured $200/Ashley Stewart $250/SimplyBE $250
Message 5 of 12

Re: Experian and denials x 3!

Thanks for the advice! I do have the Discover secured and I love them btw. Just haven't had it or anything else long enough to matter. Hoping to see it unsecure this year!
10/17 453-TU, 511-EQ, 544-EX
01/18 604-TU, 580-EQ, 561-EX
1st goal 600's across the board

Cap 1 Platinum secured $400/Discover It secured $200/Ashley Stewart $250/SimplyBE $250
Message 6 of 12
Community Leader
Valued Contributor

Re: Experian and denials x 3!

Keep in mind that Chase will always pull Experian. In addition, they'll probably ice the cake by pulling one of the other two bureaus.

Message 7 of 12
Regular Contributor

Re: Experian and denials x 3!

I just wanted to say thank you for sharing this information. I have the app itch but trying desperately to wait it out a while longer. My cards are young too. 

Starting Scores Nov 17: 581(EQ) 571(TU) 563(EX)
Current: 657(EQ) 660(TU) 647(EX)
PayPal 2% MasterCard 2k// Discover Secured 1k// Amex Delta Gold 1k// Victoria Secret 350// Lowes 300// Capital One 200// Walmart 200//



Your savings account should always be higher than your credit score.
Message 8 of 12
Frequent Contributor

Re: Experian and denials x 3!

Sorry for your denials. I’m sure after quality time gardening your score will improve and so will your card options. Hang in there.
Gardening from 6/2017 to ??
Still gardening at 1/2018
Message 9 of 12

Re: Experian and denials x 3!

Thank YOU for the encouragement!

10/17 453-TU, 511-EQ, 544-EX
01/18 604-TU, 580-EQ, 561-EX
1st goal 600's across the board

Cap 1 Platinum secured $400/Discover It secured $200/Ashley Stewart $250/SimplyBE $250
Message 10 of 12