05-14-2013 06:56 PM
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..
05-14-2013 07:00 PM
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.
05-14-2013 07:16 PM
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..
05-14-2013 07:19 PM
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.
05-14-2013 07:20 PM
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.
05-14-2013 07:21 PM
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.
05-14-2013 07:25 PM
Yeh so you definitely dont want anything that pulls EQ.
05-14-2013 07:25 PM - edited 05-14-2013 07:27 PM
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
05-14-2013 07:26 PM - edited 05-14-2013 07:29 PM
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.
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