I have seen alot of activity about Kay on these forums so we decided to try on DH's - his EQU is not in horrid shape - there is one paid med coll that we are in the midst of trying to use HIPAA process on, and some old lates (all lates are over two yrs) - there are satisfactory accounts and good salary, long time on home ownership and length of job - and thought it might be good to do to offset some point drops for a recent $2k parents plus student loan for son's summer classes - this was the message we got:
Thank you for applying for a Kay Jewelers Credit Account. We were unable to fully process your request for instant credit at this time. We will notify you via US mail of our decision regarding your request for a Kay Jewelers account within 20 business days.
everyone here seemed to be getting an instant decision, and I got an instant on a $500 limit Jared acct that i applied for in my name a couple of weeks ago (and my report has more adverse stuff than his - old but still adverse) so I was wondering if anyone had encountered this with Kay and whether this is a bad sign -
I app'd with Kay on 6/22 and was *shockingly* approved for $3,000. They pulled my EQ which today was only 613. The only recent baddie that I have on EQ is a CO that recently popped up from AFNI from 2005 which I am currently working on a DV with. I do, however, have an average age of 6 years with my oldest revolving account being 13 years old...so that history is helping me. All that I know is that Kay acct (which has yet to report) is going to help my util alot!
Have no idea - all I have right now are FAKO scores from TU & Exp - have been waiting for a little more progress before springing for the my fico scores -