Established Contributor
Posts: 711
Registered: ‎08-26-2011

Should I app for Nordstroms?

So I'm getting married in August and want to buy a wedding suit. The only recent report I have is TU. My score is 705 with 2 inqs, 4 new accounts in the past year, zero derogs, and 70% utl. I realize that is incredibly high but I will not be able to get it under 50% for quite some time.


Do you think Nordstroms will reject me? If so, what cc should I app for that would give me a $1500 CL? Discover More? I need a wedding suit!

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.

Posts: 25,017
Registered: ‎09-13-2012

Re: Should I app for Nordstroms?

Nordstrom 99% of the time pulls EQ. I would say a cc but your util is extremely high. Have you requested CLI's?
Posts: 22
Registered: ‎04-12-2013

Re: Should I app for Nordstroms?

I got a $2000 instant approval back in late 2011 with mid 600s FICO. Haven't used the card for anything as they offer no financing promos and really crappy rewards. Spent $6k+ there over the last 2 years, all on my Amex.

Super Contributor
Posts: 6,548
Registered: ‎04-07-2008

Re: Should I app for Nordstroms?

[ Edited ]

+1 with lexie. Whe I applied, they pulled EQ and I'm in Boston.


FICO EQ from here was I believe 665 back then with a 4% total util. I got a $1K CL and it still sits there.

Frequent Contributor
Posts: 332
Registered: ‎04-09-2013

Re: Should I app for Nordstroms?

[ Edited ]

mAndrew1980 wrote:

I need a wedding suit!

Assuming that you only intend to get married once; is renting the formal wear a possible option?

Established Member
Posts: 10
Registered: ‎04-06-2013

Re: Should I app for Nordstroms?

I don't think you would be approved for Nordstrom or really anything with that util. My wife had great scores, around 15% util and only got $500 from Nordstrom.

I would focus paying down debt.

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
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+