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Contributor
Posts: 94
Registered: ‎02-04-2008
0

Re: Are retail store cards easy to attain...?

[ Edited ]

This does not mean no cause my brother applied for a Reeds card and got the same message of 5-7 Days and the next day at work he got a call wanting to verfy some info then he was given a $2200 Credit Line. The next thing he applied (American TV wfnnb) for was an instant

 

I would Call Monday as said earlier...

 

Good Luck! 

Message Edited by CyndibemyLOVE on 04-11-2009 09:25 PM
New Contributor
Posts: 66
Registered: ‎03-04-2009
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Re: Are retail store cards easy to attain...?

i will hope for the best but expect the worst. that way there is no disappointment. the inq has already hit EX. i hate answering calls from numbers i do not recognise but i supose this is a good reason to just say hello :smileyhappy:
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
EQ FICO--(2/09) 534 (3/09) 619 (4/09) 626 (3/10) 671
TU FICO--(2/09) 628 (3/09) 640 (4/09) 649 (3/10) 680
EX FAKO--(2/09) 580 (3/09) 643 (4/09) 643
UTIL (2/09) 115.4%!! (3/09) 27% (4/09) 22.5%
New Contributor
Posts: 66
Registered: ‎03-04-2009
0

Re: Are retail store cards easy to attain...?

DENIED. i figured as much. oh well. i will just continue on my path of not appying for anything. i was just so tempted to have a card from a store i would actually use.
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
EQ FICO--(2/09) 534 (3/09) 619 (4/09) 626 (3/10) 671
TU FICO--(2/09) 628 (3/09) 640 (4/09) 649 (3/10) 680
EX FAKO--(2/09) 580 (3/09) 643 (4/09) 643
UTIL (2/09) 115.4%!! (3/09) 27% (4/09) 22.5%
Frequent Contributor
Posts: 403
Registered: ‎04-08-2009
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Re: Are retail store cards easy to attain...?

Retail cards are always easier to get then say a Visa Card etc....oh and nice website store. Kinda basic but nice,:smileyvery-happy:
Equifax 787, TransUnion 793, Experian ? FAKO--> Who Cares
New Contributor
Posts: 66
Registered: ‎03-04-2009
0

Re: Are retail store cards easy to attain...?

um I am confused as to their resopnse for the card I applied for.

 

The reasons for denial are

  • Profile consists of high percentage of bankcard trades
  • Unable to verify application information with Credit Bureau
  • Presence of fraud indicators
  • Unable to validate application information with Credit Bureau

 

WTH? I dont have my EX frozen. In fact WFNNB pulled a soft the next day (after pulling a hard for the store) and gave me $500 for Spiegal. I dont have a "fraud alert" on my report. And if they could not verify/validate with bureaus, how the hell do they know I have a high percentage of bankcard trades? As far as EX is listed I only have 3 open cards. The rest are closed with $0 balances. Something stinks with this letter.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
EQ FICO--(2/09) 534 (3/09) 619 (4/09) 626 (3/10) 671
TU FICO--(2/09) 628 (3/09) 640 (4/09) 649 (3/10) 680
EX FAKO--(2/09) 580 (3/09) 643 (4/09) 643
UTIL (2/09) 115.4%!! (3/09) 27% (4/09) 22.5%
Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008
0

Re: Are retail store cards easy to attain...?

Do you have an account with WFNNB?  frozen CR does not stop soft pulls of existing accounts.

 

I would definitely look into it.  Have you disputed anything with the CRA's lately?

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
New Contributor
Posts: 66
Registered: ‎03-04-2009
0

Re: Are retail store cards easy to attain...?


txjohn wrote:

Do you have an account with WFNNB? I got one the next day w/Spiegal. Other than that, when I applied for Store card I had no account with them..

 

frozen CR does not stop soft pulls of existing accounts. My reports are not frozen though.

 

I would definitely look into it.  Have you disputed anything with the CRA's lately? I have. I have gotten a few deletions on EQ, but they pull EX.


 

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
EQ FICO--(2/09) 534 (3/09) 619 (4/09) 626 (3/10) 671
TU FICO--(2/09) 628 (3/09) 640 (4/09) 649 (3/10) 680
EX FAKO--(2/09) 580 (3/09) 643 (4/09) 643
UTIL (2/09) 115.4%!! (3/09) 27% (4/09) 22.5%
Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008
0

Re: Are retail store cards easy to attain...?

Sometimes a dispute can cause the creditor to notify CRA's of potential fraud alert.  Examples:

 

1.  If you contacted a company disputing permissible purpose / inquiry....this represents potentially that somebody falsely attempted to use your ID for credit.

2.  If you dispute parts of an account, such as balance or other details that could make the creditor feel inclinded of potential fraudulent use.

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
New Contributor
Posts: 66
Registered: ‎03-04-2009
0

Re: Are retail store cards easy to attain...?

I guess what I dont understand is how they could say that was a deciding factor and then say they could not validate/verify my info with the CRA. They contradict themselves. I suppose I will call on Monday and ask for an explination.
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
EQ FICO--(2/09) 534 (3/09) 619 (4/09) 626 (3/10) 671
TU FICO--(2/09) 628 (3/09) 640 (4/09) 649 (3/10) 680
EX FAKO--(2/09) 580 (3/09) 643 (4/09) 643
UTIL (2/09) 115.4%!! (3/09) 27% (4/09) 22.5%
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