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Another Walmart cc?...

Frequent Contributor

Another Walmart cc?...

I really want a walmart cc for the tu fico but was told by csr (underwriting) after a denial a lil while back that had to be @tleast 24 mnths post bk to qualify. BUT a family member just got approved no prob 7mnths out??

So, my question is, has anyone gotten approved for a walmart store or discover less than 24 mnths post chptr 7??? Curious ...thnx!!!

Starting Score: 530
3-2013Score: TU 680 EQ 683 EXP 679 FAKO
Current Score (lender pull): TU 693 EQ 649 EXP 699 Lender Pull
Goal Score: 700


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Message 1 of 15
14 REPLIES
Established Member

Re: Another Walmart cc?...

I did.....22 months pst chpt 7....$600 CL....648 TU


Starting Score: 529 as of 3/2011
Current Score: 660 EX, 627 EQ, 643 TU( all a/o 12/17/13)
Goal Score: 700 in 2014


Message 2 of 15
Frequent Contributor

Re: Another Walmart cc?...

Thnx for the info...if u dnt mind me asking was it store or discover version

Starting Score: 530
3-2013Score: TU 680 EQ 683 EXP 679 FAKO
Current Score (lender pull): TU 693 EQ 649 EXP 699 Lender Pull
Goal Score: 700


Take the FICO Fitness Challenge
Message 3 of 15
Valued Contributor

Re: Another Walmart cc?...


shorrttyycm1 wrote:
Thnx for the info...if u dnt mind me asking was it store or discover version

im almost positive it was the store card. 

i was no bk with a 690 when i applied and got an 800 store card. from what i hear its discover if you qualify for 1k off the bat. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 4 of 15
Valued Contributor

Re: Another Walmart cc?...

pretty much get a store version i get....


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 5 of 15
Valued Contributor

Re: Another Walmart cc?...


shorrttyycm1 wrote:
I really want a walmart cc for the tu fico but was told by csr (underwriting) after a denial a lil while back that had to be @tleast 24 mnths post bk to qualify. BUT a family member just got approved no prob 7mnths out??

So, my question is, has anyone gotten approved for a walmart store or discover less than 24 mnths post chptr 7??? Curious ...thnx!!!

Well my bk was discharged November and I have one, so I think it is YMMV.  I was a bit shocked to get an instant approval but I did get it.  Maybe THAT csr is using HIS/HER own judgement on the bk.  I would call back and speak to someone else, and if that doesn't work, rinse and repeat.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 6 of 15
Frequent Contributor

Re: Another Walmart cc?...

Thnx every1. My cousin's is the store version $600. So, i guess YMMV definitely applies here. :-(

Starting Score: 530
3-2013Score: TU 680 EQ 683 EXP 679 FAKO
Current Score (lender pull): TU 693 EQ 649 EXP 699 Lender Pull
Goal Score: 700


Take the FICO Fitness Challenge
Message 7 of 15
Frequent Contributor

Re: Another Walmart cc?...

Rhaeny,
Do u mind me asking, store? What was ur score and granted cl? Thnx!

Starting Score: 530
3-2013Score: TU 680 EQ 683 EXP 679 FAKO
Current Score (lender pull): TU 693 EQ 649 EXP 699 Lender Pull
Goal Score: 700


Take the FICO Fitness Challenge
Message 8 of 15
Senior Contributor

Re: Another Walmart cc?...


shorrttyycm1 wrote:
I really want a walmart cc for the tu fico but was told by csr (underwriting) after a denial a lil while back that had to be @tleast 24 mnths post bk to qualify. BUT a family member just got approved no prob 7mnths out??

So, my question is, has anyone gotten approved for a walmart store or discover less than 24 mnths post chptr 7??? Curious ...thnx!!!

I've never heard of a waiting period post BK for GEMB. Probably a CSR who was misinformed. You may need to have some recent, positive history showing first. I had 1 yr w/2 secured loans on my CR and got approved for $200 on Old navy, which was my first rebuilder. Also, they tend to be a little more generous or lenient around the holiday time. So, you might want to try again. Or you may need to clean up any negs still on your CR before you app again.

 

What did your denial letter say? That's probably more accurate than what the CSR told you.

 

Just had a thought: Did you burn GE in your BK? That could account for the waiting period.

 

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 9 of 15
Valued Contributor

Re: Another Walmart cc?...


shorrttyycm1 wrote:
Rhaeny,
Do u mind me asking, store? What was ur score and granted cl? Thnx!

Yea it is the store card with $1K.  I wanted Discover but oh well.  Oh my TU score was 687.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 10 of 15