Got a denial for walmart 
last week.. i think walmart pulled EX or EQ..barclays stated they would have to pull another TU.. but im wondering if i would have a better chance if i waited for the 2 recent chargeoffs to be paid??
I just want to get a mortgage in exactly 12 months and i need the 3 revolving lines and i already spent $500 for NFCU secured card.. dont really want to dish out more money for a secured cc.. trying to reserve the money for rainy day (im pregnant) and also save it for PFD for these nasty collections that are reporting on EQ AND EX.
BTW.. what is YMMV??
YMMV= your mileage may vary or your situation may have a different outcome.
IMO, I would wait for your baddies to update. I know you want to get a mortgage next year but until you get those baddies (CO's) handled it will be hard pressed to get the approvals you want ESP since they are fairly recent.
Keep working on fixing the derogs, your CL's will age and you will have that mtg in no time.
IMO, I would wait for your baddies to update. I know you want to get a mortgage next year but until you get those baddies (CO's) handled it will be hard pressed to get the approvals you want ESP since they are fairly recent.
Keep working on fixing the derogs, your CL's will age and you will have that mtg in no time.
Thanks 09Lexie for the explaination.. ughhhh i have literally no patience.. when i want something i go extra hard and get quite obsessed with it.. i feel like im constantly checking myfico and reading and its a little stressful.. time time time.. i hate waiting .. i almost Disputed First Premier (2009 chargeoff) for it to show a 0 balance.. but i was told thats not a good idea either.. when i pay you i just want you to be quick and update lol (this c/o is also hurting my util showing at 6
Thanks 09Lexie for the explaination.. ughhhh i have literally no patience.. when i want something i go extra hard and get quite obsessed with it.. i feel like im constantly checking myfico and reading and its a little stressful.. time time time.. i hate waiting .. i almost Disputed First Premier (2009 chargeoff) for it to show a 0 balance.. but i was told thats not a good idea either.. when i pay you i just want you to be quick and update lol (this c/o is also hurting my util showing at 6% available credit.. yeah yeah i know) so i suppose i knew the answer all along.. who would want me with utils like that.. figured id ask i guess
I agree with 09Lexie work on the baddies if you were just denied walmart then its time to stop apping. Your scores will increase with time while you work on your file. I understand the patience thing but if it was that easy we all would be overnight success stories... Have patience and it will pay off in the long run
Did you try to recon walmart? It's worth a shot.
