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Valued Member
tjw0783
Posts: 25
Registered: ‎12-01-2012
0

Kohls Charge

I applied for a Kohls charge and it says they pulled experian with a score of 654. Is this a faco score or my actual score with experian? ( recived a letter in the mail from kohls stating why i was declined and it says who pulled the report and included my score)

 

Thanks for the help :smileyhappy:

Valued Member
Creditseeker93
Posts: 116
Registered: ‎02-06-2013
0

Re: Kohls Charge

I believe this is a FICO score from the lender. It will say what the scoring model they used. If it is out of 850 (highest) then its FICO.

AMEX BCP 6,,000***** *****Chase Sapphire Preferred $10,000 **** Chase Freedom $8,000 *****Sears Mastercard Platinum $5,000 **** Macy's Star Rewards $1,000 ***** American Express BCE $24,900 (AU) **** *****Discover IT $4,000 (AU)*****
Valued Contributor
creditnocash
Posts: 2,222
Registered: ‎07-23-2012
0

Re: Kohls Charge

i dont remember what it was becuase it was over a year ago. but trust me unless you shop there ALL the time you saved yourslef a headache.

Current: Discover Fico 689 8/14 Walmart Fico 697 8/14

Inquiries (24 Months): EQ 6 TU 3 EX 4 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,431
Registered: ‎10-02-2012
0

Re: Kohls Charge

Yeah if you shop there alot their rewards or benefits are pretty good. My mom was approved back in November 2009 with a $800 CL and has been stuck with that CL since. Oh well, you can get other better store cards with that score, and im not sure if its a FICO or FAKO. 

Closing all of these credit card accounts once paid off for a fresh start.
$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 6 months, Utilization 74%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Kohls Charge

I agree with getting better store cards you should give GE a shot they very good with credit increases they are also SP's.



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
Valued Contributor
dodgerslv
Posts: 1,757
Registered: ‎06-16-2012
0

Re: Kohls Charge

I was approved for one back in April of 2012 with a 300 limit. It was foolish to me apply for the card when i knew i didnt shop there much (just wanted to take advantage of the 15 or 20% off the purchase).  And till this date that is the only time i have been to Kohls.


Cards: (Citi x6) (Chase x5) (US Bank x3) (Amex x3) (Barclays x3) (BofA x2) (Cap1 x2) (WF x2) (Penfed x1) (Discover x1) (Sync/GE x4) (Macys x2)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).






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