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Kohls Charge

Valued Member

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 Smiley Happy

Message 1 of 6
Valued Member

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 PLATINUM NPSL *******AMEX BCP 23,100***** CITI DOUBLE CASHBACK $5,900 *****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 $8,500 (AU)*****
Message 2 of 6
Valued Contributor

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 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9

2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 3 of 6
Senior Contributor

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. 

Message 4 of 6
Mega Contributor

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.

EQ FICO 548 3/3/16
Message 5 of 6
Valued Contributor

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.

gardening since 5/21/2016
Message 6 of 6