03-17-2017 09:00 AM - edited 03-17-2017 09:44 AM
I am just curious if anyone who has been pre-approved for an ULTA card, be it a store card or mastercard, knows what their scores were when they were pre-approved?
Also, does anyone know which credit bureau was pulled? My scores are decent and I'm not really afraid of being rejected, but I have lots of hard inquiries on my TU report from before I started caring about my credit. I know the effects lessen over time and most have little to no impact but I'm still trying to keep my total number from increasing.
Any insight would be much appreciated!
03-17-2017 10:16 AM
I was pre-approved for the Ulta card around the Summer of 2016 when my scores were around 665. I was notified of the pre-approval in-store, so I don't remember if they differentiated between the store card and the mastercard at the time. However, since I knew I was pre-approved for something and wanted a higher SL, I wound up applying online for the Mastercard in December 2016 with a hard pull to Equifax, when my score was around 675. I didn't have any inquiries on EQ at the time, just one on EX.
If you're not sure about which to apply for, I recommend going with the store card and trying the shopping card trick to avoid a hard pull (most times SCT is a soft pull). I do enjoy the card since it gives an additional bonus point to an already generous rewards program, though the APR is astronomical. Just make sure you never carry a balance. Good luck!
03-17-2017 12:07 PM
I applied last summer I believe for the Ulta card with no pre-approval. I was approved for the Mastercard version and my score was right around 680. They pulled EX for me.
03-17-2017 04:27 PM
03-17-2017 05:12 PM - edited 03-17-2017 05:19 PM
I was too impatient to wait for responses and app'd! The SCT never worked for me for this store, but after biting the bullet and app-ing I was approved for a $1,000 Mastercard. I wish it was a little higher but Comenity has never been as kind to me as Synchrony. I'll still take it! 😊
03-17-2017 06:15 PM - edited 03-17-2017 06:15 PM
approved for 14,000 Mastercard @ 17.49%
LOTS of INQ 25+ on each bureau
03-18-2017 10:29 PM
I was pre-approved for the card in the local ULTA store tonight. The lady at the counter said I was pre-approved for the mastercard - but the little receipt she gave me says I got the Ultimate Rewards Credit Card - no mention of Mastercard. $400 limit. My current FICO's are EQ 622 TU 648 and EX 633.
Paid a ton of stuff off in the last month - still waiting for everything to settle out in FICO-land. Probably should have waited to accept until it all had - but when she said I was pre-approved for the "MasterCard" I went through with it. Either way is fine I guess... but I really would have liked the MC instead of the store card.
06-23-2017 12:49 AM
I was denied, unfortunately, but my letter did let me know that scores are pulled from Sagestream LLC.
The company is so small you have to fax or mail in a written request for a copy of your credit score.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.