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Contributor
Seatown1two
Posts: 80
Registered: ‎02-16-2011

Denied for walmart =(

After checking my fico score and updated below (tu up from 639 4 months ago)  decided to pull the trigger.  Got the 7-10 day message.  Called in and the representative flat out told me I was denied and that she would not be able to do a recon.  I tried calling in two more times and the next two reps told me to wait for the letter.  Anything else i might be able to do?


Starting Score: 593 EQ
Current Score: EQ 663 TU 675 pulled here 5/13/13, EX 640, lender pulled 2/25/13
Goal Score: 800


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

Re: Denied for walmart =(

:smileysurprised: We feel your pain.


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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Valued Contributor
RockinRay
Posts: 1,933
Registered: ‎08-13-2007

Re: Denied for walmart =(

[ Edited ]

Seatown1two wrote:

After checking my fico score and updated below (tu up from 639 4 months ago)  decided to pull the trigger.  Got the 7-10 day message.  Called in and the representative flat out told me I was denied and that she would not be able to do a recon.  I tried calling in two more times and the next two reps told me to wait for the letter.  Anything else i might be able to do?


Try going in to a store and doing the app there. I was always declined when I tried on the website. Went to a store - bang - instant approval.

 

If you choose to go to a store, make sure you have a CC with you, they will want to swipe it along with your DL..

 

Ray

Ray

** Every Card has a Job, and Every Card does its Job **

New Contributor
Sophiamarie
Posts: 68
Registered: ‎04-19-2011

Re: Denied for walmart =(

[ Edited ]
Walmart pulled EQ for me, not TU. Your EQ is 616?

EXP 725 (Amex) EQ 678 TU 735
Valued Contributor
rootpooty
Posts: 1,685
Registered: ‎10-28-2011

Re: Denied for walmart =(

You were denied with a tu Fico of 694? Do you have any baddies on tu? What's you AAOA?
NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 3k | BOFA 123 3k |
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Established Contributor
lithium78
Posts: 928
Registered: ‎07-30-2011

Re: Denied for walmart =(

I got approved for Walmart's retail card with much lower scores a few years ago.  Are you on GMCRB's blacklist?


Starting Score: TU: 566
Current Score: TU: 736 (Walmart FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Denied for walmart =(


Seatown1two wrote:

After checking my fico score and updated below (tu up from 639 4 months ago)  decided to pull the trigger.  Got the 7-10 day message.  Called in and the representative flat out told me I was denied and that she would not be able to do a recon.  I tried calling in two more times and the next two reps told me to wait for the letter.  Anything else i might be able to do?


Sorry to hear, can you share with us your TU file?




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Super Contributor
CS800
Posts: 6,542
Registered: ‎04-07-2008

Re: Denied for walmart =(

Sorry to hear that. WM is pretty tough to recon if you get denied. But your TU is good though. Were you given any reasons or you got the ' we will send you a latter to explain the denial' ?






Contributor
Seatown1two
Posts: 80
Registered: ‎02-16-2011

Re: Denied for walmart =(

I guess I'm going to recieve a letter in the mail explaining why I was denied.  My AAoA is 6 years, 1 paid tax lien, 7 collections reporting, no late payments for over 4 years.  Actually guess I'm not too surprised I was denied.  Utilization was around 21% on report that was just checked.  Might there be any other hope for me in obtaining new credit??


Starting Score: 593 EQ
Current Score: EQ 663 TU 675 pulled here 5/13/13, EX 640, lender pulled 2/25/13
Goal Score: 800


Take the FICO Fitness Challenge
Super Contributor
CS800
Posts: 6,542
Registered: ‎04-07-2008

Re: Denied for walmart =(


Seatown1two wrote:

I guess I'm going to recieve a letter in the mail explaining why I was denied.  My AAoA is 6 years, 1 paid tax lien, 7 collections reporting, no late payments for over 4 years.  Actually guess I'm not too surprised I was denied.  Utilization was around 21% on report that was just checked.  Might there be any other hope for me in obtaining new credit??



Are your collections paid? REason why I asked is that the computer might deny it but recon could approve it but in this case they didn't. If you have another inq to use on TU, you can try for a barclay card.







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