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angie204
Posts: 79
Registered: ‎08-28-2009
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Scores required for Sears or Home Depot...Citi products?

Anyone here recently received new credit from Home Depot/Sears/Citi?  Just wondering what my scores should be before I consider applying.

 

Thanks,

Angie

My Scores:
10/09: EQ 653, TU 656; 8/09 FICO Lender: EQ 652, TU 646, EX 659 10/11: EQ 672, TU 679 EXP Lender 680


Chapter 7 BK Discharged Aug 29, 2007.
Super Contributor
DI
Posts: 5,744
Registered: ‎01-28-2008
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Re: Scores required for Sears or Home Depot...Citi products?

I recently received a $3600 CL Sears card.  Scores listed below. EQ report pulled.
Contributor
angie204
Posts: 79
Registered: ‎08-28-2009
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Re: Scores required for Sears or Home Depot...Citi products?

LOL..ok.  Your scores are a "bit" higher than mine, ha ha.  I am hoping since I had a previous paid as agreed accounts with Citi, that perhaps they will consider me.

 

 

My Scores:
10/09: EQ 653, TU 656; 8/09 FICO Lender: EQ 652, TU 646, EX 659 10/11: EQ 672, TU 679 EXP Lender 680


Chapter 7 BK Discharged Aug 29, 2007.
Established Contributor
mt2va
Posts: 532
Registered: ‎03-20-2009
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Re: Scores required for Sears or Home Depot...Citi products?

Mine were low 600s EQ when I applied.  First time I applied for Sears (backed by Citi) declined, but a week later approved $1,800.  Declined for Home Depot (Citi backed)  Declined for Citi Forward CC (obviously Citi backed)

 

So I think it varies with the particular card.  Would be nice if places posted a general score/income they want to see so people wouldn't waste their time.

Starting Scores 10/12: EQ 460 (FICO)/TU 502 (FAKO)/EX 474 (FAKO)
Current (7/14): EQ 572 (FICO)/TU 624 (FICO)/ EX 612 (FICO)



Valued Member
USCP111
Posts: 35
Registered: ‎10-01-2008
0

Re: Scores required for Sears or Home Depot...Citi products?

It seems lately that the scores have gone up, anything above 680 is normally what they go for, but a lot also has to do with the complete credit picture your report is going to have on it. That means no recent negative info and strong payment history.
Contributor
angie204
Posts: 79
Registered: ‎08-28-2009
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Re: Scores required for Sears or Home Depot...Citi products?

Ok, thanks so much. :smileyhappy: I suppose since I have one one inquiry in the past twelve months that it literally won't hurt to apply.

 

 

My Scores:
10/09: EQ 653, TU 656; 8/09 FICO Lender: EQ 652, TU 646, EX 659 10/11: EQ 672, TU 679 EXP Lender 680


Chapter 7 BK Discharged Aug 29, 2007.
Frequent Contributor
Gibran
Posts: 331
Registered: ‎09-26-2009
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Re: Scores required for Sears or Home Depot...Citi products?

Does citi pull all 3 CRA's???

AMEX Platinum NPSL | AMEX Zync NPSL | AMEX Delta Platinum $4000 | Travelocity Amex $4000 | CapOne No Hassle Rewards $2500 | BBRZ MC $800 | Local CU Visa $1000 | Kay $2000 | Citi Hilton HHonors Reserve $5000 | Chase Marriott Rewards $5000 | BankAmericard Travel Rewards Visa $7000 | Discover IT $1000
In the garden until 10/2014
Super Contributor
DI
Posts: 5,744
Registered: ‎01-28-2008
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Re: Scores required for Sears or Home Depot...Citi products?


Gibran wrote:
Does citi pull all 3 CRA's???

No.  EQ only.


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