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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:
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.



Yeah i'm tired of these low CL put i have to prove myself again that will come.

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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Frequent Contributor
mrsanderson
Posts: 366
Registered: ‎12-20-2007
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Re: JC PENNY denial letter

I was denied in April for a JCP card and i lovvvvvvvvvvvve Pennys bc of all the sales and discounts!!!! So i was out shopping in JCP and I decided I should apply this was in July of last month i applied and was instantly approved ! I also live down the street from CVS its a dual card With Rite-aid also so I didnt give up true enuff I couldnt believe i was denied but since I saw them Soft me on my EQ credit report I decided to give it a try! my CL is 300 I ve used it well Ive heard they give the best CLI also! so dont give up if its a card you wanted! I love to shop there!  
~EveryThing Is Within REach~FICO FORUM roCKs.....
Valued Contributor
mjbfan79
Posts: 1,998
Registered: ‎03-31-2008
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Re: JC PENNY denial letter



mrsanderson wrote:
I was denied in April for a JCP card and i lovvvvvvvvvvvve Pennys bc of all the sales and discounts!!!! So i was out shopping in JCP and I decided I should apply this was in July of last month i applied and was instantly approved ! I also live down the street from CVS its a dual card With Rite-aid also so I didnt give up true enuff I couldnt believe i was denied but since I saw them Soft me on my EQ credit report I decided to give it a try! my CL is 300 I ve used it well Ive heard they give the best CLI also! so dont give up if its a card you wanted! I love to shop there!  


Congrats why did they deny u the first time?

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

Oh yeah forgot to add, I sent them a recon letter today.


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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Frequent Contributor
mrsanderson
Posts: 366
Registered: ‎12-20-2007
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Re: JC PENNY denial letter

[ Edited ]
They said I had too many recent derogs and too few good standing accts(I only had one at the time! lol Im sure some of it was actually still there I cleaned my report up a lil bit more and I gained about 5 new cards and paid on time with those cards and bam I got the card to my surprise! I want Dillards now lol... I applied in April of this year and reapplied end of June!!!!  


Message Edited by mrsanderson on 08-09-2008 04:08 PM

Message Edited by mrsanderson on 08-09-2008 04:08 PM
~EveryThing Is Within REach~FICO FORUM roCKs.....
Valued Contributor
mjbfan79
Posts: 1,998
Registered: ‎03-31-2008
0

Re: JC PENNY denial letter



mrsanderson wrote:
They said I had too many recent derogs and too few good standing accts(I only had one at the time! lol Im sure some of it was actually still there I cleaned my report up a lil bit more and I gained about 5 new cards and paid on time with those cards and bam I got the card to my surprise! I want Dillards now lol... I applied in April of this year and reapplied end of June!!!!  


Message Edited by mrsanderson on 08-09-2008 04:08 PM

Message Edited by mrsanderson on 08-09-2008 04:08 PM

Well congrats again.

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
MsKiwi
Posts: 832
Registered: ‎03-20-2008
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Re: JC PENNY denial letter



mrsanderson wrote:
I was denied in April for a JCP card and i lovvvvvvvvvvvve Pennys bc of all the sales and discounts!!!! So i was out shopping in JCP and I decided I should apply this was in July of last month i applied and was instantly approved ! I also live down the street from CVS its a dual card With Rite-aid also so I didnt give up true enuff I couldnt believe i was denied but since I saw them Soft me on my EQ credit report I decided to give it a try! my CL is 300 I ve used it well Ive heard they give the best CLI also! so dont give up if its a card you wanted! I love to shop there!  


I agree about penneys, I LOVE that store I was going to app there but the last 2 times I shopped they didn't even ask if I wanted to apply. I had my nerve up to say *yes, but since they didn't ask I somehow couldn't get the words out of my mouth that I would like to apply. I am a such a wimp.:smileyvery-happy: 
Valued Contributor
mjbfan79
Posts: 1,998
Registered: ‎03-31-2008
0

Re: JC PENNY denial letter



MsKiwi wrote:
I agree about penneys, I LOVE that store I was going to app there but the last 2 times I shopped they didn't even ask if I wanted to apply. I had my nerve up to say *yes, but since they didn't ask I somehow couldn't get the words out of my mouth that I would like to apply. I am a such a wimp.:smileyvery-happy: 


Don't be scared lol

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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