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Contributor
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
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
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
Posts: 541
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
Posts: 35
Registered: ‎10-01-2008
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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
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
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
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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