Reply
Frequent Contributor
elaine829
Posts: 273
Registered: ‎10-09-2007

Sears

What scores do you have to have for a sears card. I applied and got denied. My score was 683 fico from equifax. They pulled equifax because i got a alert from them. I think it mighthave  been because my balances was high from christmas. My utili is like 23 percent. Or it might because i just got a citi back card home depot 3 mths ago. Also are they inquire sensitive because i do have 4 inquires on report. One from the home depot and the other 3 from car dealerships on the same day. What do anybody think?. Just going wait until they send the letter stating why they denied me.
Regular Contributor
Cyan007
Posts: 237
Registered: ‎08-02-2009

Re: Sears

You would think a place like Sears would love someone to actually consider shopping there.  Strange.

EQ (11/16/2007): 573

Starting Score (1/1/2010): EQ: 712 -- TU: 726
Current Score: EQ: 748 (12/22/11) -- TU: 726 (1/7/10) -- TU04: 701 (1/27/10) -- EX: 747 (1/27/10) (LO)
Goal Score: EQ: 760


Take the FICO Fitness Challenge
Frequent Contributor
elaine829
Posts: 273
Registered: ‎10-09-2007

Re: Sears

Yes, you would think Im not too upset because i only shop for exercise equipment and appliances from them. I was just trying to get the 6 mths no interest even though i had the cash for it, But i was just wondering what they're standard was in regards to the card.
Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009

Re: Sears

Citi does not like INQ's.
Established Contributor
Ulan
Posts: 790
Registered: ‎09-09-2008

Re: Sears

I don't know what FICO and other credit aspects they are looking exactly for, but I heard that the Sears store card is one of the hardest to get, for whatever reason.

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+