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Established Contributor
JonStur
Posts: 904
Registered: ‎12-25-2010
0

Re: Anyone have a GE/Walmart UW number?

GE is spreading the holiday cheer!!!!


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Anyone have a GE/Walmart UW number?


JonStur wrote:

GE is spreading the holiday cheer!!!!


+1  The lady was extremely friendly, she even sounded excited when she said I was approved.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Contributor
dodgerslv
Posts: 1,757
Registered: ‎06-16-2012
0

Re: Anyone have a GE/Walmart UW number?

Congrats on the increase! I am going to try UW for my Dillards card.


Cards: (Citi x6) (Chase x5) (US Bank x3) (Amex x3) (Barclays x3) (BofA x2) (Cap1 x2) (WF x2) (Penfed x1) (Discover x1) (Sync/GE x4) (Macys x2)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).





Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

Re: Anyone have a GE/Walmart UW number?


Shogun wrote:

CLI from $600 to $2000.  Thanks swpopham!


 

That's wonderful -- CONGRATS!!!!! :smileyvery-happy:


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012
0

Re: Anyone have a GE/Walmart UW number?

cant wait to do mine in a couple months used.....


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


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Established Contributor
flowfaster
Posts: 787
Registered: ‎08-30-2011
0

Re: Anyone have a GE/Walmart UW number?

Has anyone ever requested a CLD? I'm thinking of taking my wally card back down to 5k now that I have multiple major bank cards in the 5 digits.
Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Regular Contributor
YoungMoney06
Posts: 116
Registered: ‎06-26-2011
0

Re: Anyone have a GE/Walmart UW number?

When I applied for my Wal-Mart card, I was sent a letter for the following reasons why I was denied:

 

SERIOUS DELINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED
NUMBER OF ACCOUNTS PAID AS AGREED
NO RECENT NON-MORTGAGE BALANCE INFORMATION
LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED

 

The serious delinquency/collections is an account that was reaged and I'm in the process of settling. so my question is, if I called underwriting and explained my situation that I'm rebuilding my credit and explain the collections account, what is the chances of being reconned? Or should I stick with waiting about six months?

My Wallet: WF College Card ($1.7k); GE Wal-Mart ($1.3k); GE Amazon ($1.9k); Chase Freedom ($1k); Citi Simplicity ($2k); Discover IT ($2k); CareCredit ($1.5k); GE Lowes ($2.5k) -- In The Garden 'Til 08/2014

Current Scores: EQ 716; TU 683; EX: 709; TU(08): 723 - As of April 21, 2014
Goal Score: 700 Across the Board (TU, EQ, EX)


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Moderator
09Lexie
Posts: 25,125
Registered: ‎09-13-2012
0

Re: Anyone have a GE/Walmart UW number?


YoungMoney06 wrote:

When I applied for my Wal-Mart card, I was sent a letter for the following reasons why I was denied:

 

SERIOUS DELINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED
NUMBER OF ACCOUNTS PAID AS AGREED
NO RECENT NON-MORTGAGE BALANCE INFORMATION
LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED

 

The serious delinquency/collections is an account that was reaged and I'm in the process of settling. so my question is, if I called underwriting and explained my situation that I'm rebuilding my credit and explain the collections account, what is the chances of being reconned? Or should I stick with waiting about six months?


What does the rest of your report look like? Any revolving  cards? Any other baddies? How's your util?

 

I don't know about the 'NO RECENT NON- MORTGAGE BALANCE INFORMATION'.

Regular Contributor
YoungMoney06
Posts: 116
Registered: ‎06-26-2011
0

Re: Anyone have a GE/Walmart UW number?


What does the rest of your report look like? Any revolving  cards? Any other baddies? How's your util?

 

I don't know about the 'NO RECENT NON- MORTGAGE BALANCE INFORMATION'.


 

The rest of the report looks slim, but good. One satisfied "paid, or paying as agreed" installment account, recent from 2010. I also just received a credit card about a month ago that has been reported to my account, so one positive revolving account. Only thing is that when it reported, I had $0 balance, so no utilization with that card. Here is the downfall, I believe causing issues with my account. In 2006, I had a credit card with CapOne with a $300 CL, and the high balance, which includes late fees, etc. etc. is $690. I'm sure this is likely hurting my utilization, but CapOne sold the account and it is scheduled to be removed 03/2014. I would like to have it come off, but I don't know if I want to right now because it is giving my credit report a nice AAoA of about 6 years. Removing may hurt more than keeping it, right?

My Wallet: WF College Card ($1.7k); GE Wal-Mart ($1.3k); GE Amazon ($1.9k); Chase Freedom ($1k); Citi Simplicity ($2k); Discover IT ($2k); CareCredit ($1.5k); GE Lowes ($2.5k) -- In The Garden 'Til 08/2014

Current Scores: EQ 716; TU 683; EX: 709; TU(08): 723 - As of April 21, 2014
Goal Score: 700 Across the Board (TU, EQ, EX)


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Established Contributor
JusdoNit
Posts: 921
Registered: ‎12-10-2011
0

Re: Anyone have a GE/Walmart UW number?

Sweet increase:smileywink:


Starting Score: 722
Current Score: Now 687 what the hockey sticks...from a 784 (Aug 12 EX 751 EQ Fico)
Goal Score: 800

If your outGo is more than your INcome than your UpKeep will become your downFALL.

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