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MY LAST WANT BEFORE

Frequent Contributor

MY LAST WANT BEFORE

I hit the garden for 2 yrs.. is a WAL MART card :*( i've tried for 2 yrs and denied 5 times.

 

Discharged BK June 2012, first line of credit opened May 2012 before discharged OKAYED by trustee..

 

Orchard 0/1000

Cap one cash rewards 0/500

Fingerhut 0/400

Navyfcu cash rewards 0/1000

Navyfcu secured nRewards 0/500

Express 0/250

Kays 0/400

 

EQ - 628 TU - 624

 

I have been rotating all my cards, I accidently let them all report 0.. I usually keep a small balance on one.. I will let my Navyfcu cash rewards report 10 dollars on the 12th when statements cuts.

 

I need YOUR HELP MYFICO!!! Smiley Sad

BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.
Message 1 of 20
19 REPLIES
Valued Contributor

Re: MY LAST WANT BEFORE

Why Walmart ???


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 2 of 20
Super Contributor

Re: MY LAST WANT BEFORE

How many INQ's on TU ?

Your close score wise

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 3 of 20
Frequent Contributor

Re: MY LAST WANT BEFORE

Only reason is I shop there alot, and because of the free TU score...

 

I just don't want to app and app and app.. I have a bunch from 2012 for a autoloan... I have 26 but only 5 this yr...

 

I think I may just forget about wally mart and move on... Stay in the garden... I bet by the end of the yr I can make it to 650

BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.
Message 4 of 20
Valued Contributor

Re: MY LAST WANT BEFORE

I want Walmart too. My next app will be in store instead of online, apparently it makes a difference.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 5 of 20
Frequent Contributor

Re: MY LAST WANT BEFORE

Well in CA they pull TU..But does in store really make a difference?

BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.
Message 6 of 20
Valued Contributor

Re: MY LAST WANT BEFORE

It's probably a ymmv thing like everything else, but that's what I'm hearing.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 7 of 20
Valued Contributor

Re: MY LAST WANT BEFORE

 My Tu score was 520 or 519 when i got approved so I am thanking the credit rebuilding gods that I was approved for walmart. i guess like others said its a ymmv.

Message 8 of 20
Frequent Contributor

Re: MY LAST WANT BEFORE

Above poster, that is crazy... Its the BK on my report killing it for me!

BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.
Message 9 of 20
Valued Contributor

Re: MY LAST WANT BEFORE

With the recent BK, I think it is less likely you'll be approved. The inquiries pose a possible concern as well. BUT, if you are heading to the garden for 2 years, it is worth a shot because when you exit the garden, the inquiry from Walmart will be gone. So I agree that you should give it a try. If applying in store has a higher approval chance, I would do that. Good luck. Let us know how it goes! Smiley Happy
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 10 of 20