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Valued Contributor
mjbfan79
Posts: 1,998
Registered: ‎03-31-2008
0

JC PENNY denial letter

I applied for JC Penny last week just received my letter stating i was denied because i have to many recent acounts opened well i do have like five other new acounts i may try it again 6 months from now.

Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


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Valued Contributor
mjbfan79
Posts: 1,998
Registered: ‎03-31-2008
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Re: JC PENNY denial letter

Also i wonder how old do your acounts have to be to qualify?

Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


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Super Contributor
MidnightVoice
Posts: 8,161
Registered: ‎03-25-2007
0

Re: JC PENNY denial letter

"recent" for many people is less than a year old
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Valued Contributor
mjbfan79
Posts: 1,998
Registered: ‎03-31-2008
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Re: JC PENNY denial letter



MidnightVoice wrote:
"recent" for many people is less than a year old


 
Ok thx.


Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


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Established Contributor
Bella1980
Posts: 583
Registered: ‎06-22-2008
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Re: JC PENNY denial letter

I called and they denied me as well....grrr....I think mine was for too many recent inquiries....yup...this is were the app spree bites us in the butt....haha


Starting Score: TU- 682, EQ- 698, EX- 713
Current Score: TU- 723, EQ- 747, EX- 737
Goal Score: 760 PLUS FICO's


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Valued Contributor
mjbfan79
Posts: 1,998
Registered: ‎03-31-2008
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Re: JC PENNY denial letter



Bella1980 wrote:
I called and they denied me as well....grrr....I think mine was for too many recent inquiries....yup...this is were the app spree bites us in the butt....haha


I'm not a big JC shopper but it would have been good to ad another + to my credit file.

Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


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Established Contributor
Bella1980
Posts: 583
Registered: ‎06-22-2008
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Re: JC PENNY denial letter

yeah, as I was writing about apping for this card in a year in the store, I realized I don't even like this store that much. I NEVER go there when I am at the mall or when I do I am disapointed...I think that means to not bother apping there in a year. LOL


Starting Score: TU- 682, EQ- 698, EX- 713
Current Score: TU- 723, EQ- 747, EX- 737
Goal Score: 760 PLUS FICO's


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Valued Contributor
mjbfan79
Posts: 1,998
Registered: ‎03-31-2008
0

Re: JC PENNY denial letter



Bella1980 wrote:
yeah, as I was writing about apping for this card in a year in the store, I realized I don't even like this store that much. I NEVER go there when I am at the mall or when I do I am disapointed...I think that means to not bother apping there in a year. LOL


That's why it's always good to apply only for store's you shop at on the regular an i'm gonna stop this just applying just to be applying but what i'm really happy about is my
 
Wal-Mart
Sam's
Best Buy
 
Appreoval cause i visit these stores often.

Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


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Regular Contributor
Madison
Posts: 163
Registered: ‎06-18-2007
0

Re: JC PENNY denial letter

It may be a blessing in disquise. What is JC Penny's APR?
Established Contributor
Bella1980
Posts: 583
Registered: ‎06-22-2008
0

Re: JC PENNY denial letter

Yeah, I am happy about Target,Walmart and Dillards.
 
I didn't get Bestbuy but would have liked that.
 
I need to get some high CL's though.


Starting Score: TU- 682, EQ- 698, EX- 713
Current Score: TU- 723, EQ- 747, EX- 737
Goal Score: 760 PLUS FICO's


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