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Contributor
mcf
Posts: 355
Registered: ‎02-25-2013
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Re: Another 18 Year Old Looking To Build Credit

I would get free copies, i go to credit karma, credit sesame, i payed for MYFico, I dont know what it would show though honestly if you have never had anything report.. so that may not hurt to try most of those mentioned have free version.  As i have history and so it pays to get the reports lol. Walmarts good But, if denied for the Credit card it would be a store card if offered, could come in handy for school supplies etc.. ramen noodles.. lol. How many noodles for 50 bux!! Eating like a king.. Its a tough situation to be in because you dont really want any HP..

Starting Score:Walmart TU 686, MyFico EQ 630, Credit Sesame 649, CK 636Current Score: 689 TU/Walmart CK 645 Goal Score:700 CLUB
Last HP:5/21/13Take the myFICO Fitness Challenge
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johnicek
Posts: 80
Registered: ‎05-12-2013
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Re: Another 18 Year Old Looking To Build Credit

Do you think I would have a chance for the store card? I am nt looking to get their Discover card, and I don't mind only being able to use it at Wal-Mart. Being the only real store in town, I find myself shopping there a lot. Even if they give me an outrageously low limit, and just in store, I'll take it as long as it reports, or at least builds a relationship towards graduation into their Discover card.

Contributor
mcf
Posts: 355
Registered: ‎02-25-2013
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Re: Another 18 Year Old Looking To Build Credit

well i wonder who they pulled for your credit check?? like if cap1 pulled EX only or all 3 or if citi only pull eq and ex.. see if you knew who they pulled from a credit report, you could possibly. maybe they didnt pull TU so on TU would be 0 pulls.. but see without knowing who the other 2 checked. now if they checked all 3 then all 3 agencies will show 2 HP.. I know for me walmart uses Transunion most ge does, but recently i think they have been pulling from the other 2 some.. So you could only have as few as 2 HP on say one report and still zero on TU but id make sure first..

Starting Score:Walmart TU 686, MyFico EQ 630, Credit Sesame 649, CK 636Current Score: 689 TU/Walmart CK 645 Goal Score:700 CLUB
Last HP:5/21/13Take the myFICO Fitness Challenge
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johnicek
Posts: 80
Registered: ‎05-12-2013
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Re: Another 18 Year Old Looking To Build Credit

Cap1 sent me a letter, which said there was no history on all 3 for their denail reason, which leads me to believe I have an HP from them on all 3.

 

Citi said they denied me based on Equifax, which leads me to believe they pulled from only them.

Contributor
mcf
Posts: 355
Registered: ‎02-25-2013
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Re: Another 18 Year Old Looking To Build Credit

Sorry that could be confusing haha. Basically im saying if neither pulled a TU report, then your TU shows zero HP which would make it easier but noone would know if you would get approved.

Starting Score:Walmart TU 686, MyFico EQ 630, Credit Sesame 649, CK 636Current Score: 689 TU/Walmart CK 645 Goal Score:700 CLUB
Last HP:5/21/13Take the myFICO Fitness Challenge
Contributor
mcf
Posts: 355
Registered: ‎02-25-2013
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Re: Another 18 Year Old Looking To Build Credit

ok so that leads me to believe you actually have EX 1 EQ 2 TU 1 someone correct me but that is what it looks like.

Starting Score:Walmart TU 686, MyFico EQ 630, Credit Sesame 649, CK 636Current Score: 689 TU/Walmart CK 645 Goal Score:700 CLUB
Last HP:5/21/13Take the myFICO Fitness Challenge
Valued Member
johnicek
Posts: 80
Registered: ‎05-12-2013
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Re: Another 18 Year Old Looking To Build Credit

Right,  EX 1 EQ 2 TU 1, as you stated, would be what I have been informed by my previous apps.

Contributor
mcf
Posts: 355
Registered: ‎02-25-2013
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Re: Another 18 Year Old Looking To Build Credit

Yeh so you definitely dont want anything that pulls EQ.

Starting Score:Walmart TU 686, MyFico EQ 630, Credit Sesame 649, CK 636Current Score: 689 TU/Walmart CK 645 Goal Score:700 CLUB
Last HP:5/21/13Take the myFICO Fitness Challenge
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Laugh
Posts: 254
Registered: ‎12-29-2012
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Re: Another 18 Year Old Looking To Build Credit

[ Edited ]

Do you have anything else on any credit bureas besides the 2 hard inquiries? And the account(s) would have to be at least 6 months old.

 

Because if you don't, that would mean that you do not have a score yet. Which would also imply that you'll get an instant denial if you try to apply for ANY credit card. So don't think about just walmart yet. 

 

I think you should wait for the Capital One's EO response. Good luck

Cards: CSP 6k, Chase Freedom 6k, BCP 7.5k, Sallie Mae 8.9k, Discover 5k, BOFA Better Rewards 3.8k
Contributor
mcf
Posts: 355
Registered: ‎02-25-2013
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Re: Another 18 Year Old Looking To Build Credit

[ Edited ]

Yeh i think that post is right, its tough due to nothing on report. I think If you could ask the rents to AU on one of their outstanding cards and it actually reported, you would get that history then be able to get a card. That may be the route to go.

Starting Score:Walmart TU 686, MyFico EQ 630, Credit Sesame 649, CK 636Current Score: 689 TU/Walmart CK 645 Goal Score:700 CLUB
Last HP:5/21/13Take the myFICO Fitness Challenge

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