Reply
Valued Member
Posts: 27
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
Posts: 119
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 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)*****
Valued Contributor
Posts: 2,266
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 701 3/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 5 TU 1 EX 1 | Most Recent: 03/23/2015
Over 12 Months:6


2014 Goals:
Lower Utility
15% right now, but going up soon :smileysad:
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$6400
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Senior Contributor
Posts: 3,852
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. 

Mega Contributor
Posts: 15,442
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
Posts: 1,942
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: (Chase x7) (Citi x6) (Amex x5) (BofA x3) (US Bank x4) (Barclays x4) (WF x3) (Cap1 x3) (Synch x3) (Penfed x2) ( Macys Amex) (Discover, Nasa ,Diners x1) PLOC: Citi (18k) WF (10k)
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.