Reply
Frequent Contributor
Posts: 277
Registered: ‎10-09-2007
0

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
Posts: 237
Registered: ‎08-02-2009
0

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
Posts: 277
Registered: ‎10-09-2007
0

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
Posts: 4,923
Registered: ‎04-19-2009
0

Re: Sears

Citi does not like INQ's.
Established Contributor
Posts: 790
Registered: ‎09-09-2008
0

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.
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.