Should I apply for Walmart store card?

[grillandwinemaster]

Realistically, from a Fico perspective, if you already have THREE cards, student loans AND a new car loan, you don't need any more trade lines. Garden what you have pay down your uti% and continue to clean up, your going to be just fine. 

[Anonymous]

Thank you everyone. I will wait until my UTI is decreased and my score is higher. I dont want to waste a HP

[SunriseEarth]

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@Anonymous wrote:
I would like to apply for the card before my new car loan is reported and my score goes down. My TU score is 581 with 12 inq and 4 collections. I've been sending PFD letters since March and no one has responded yet. Another bad one is that I'm disputing 2 first premier accts.

Any suggestions would be helpful

Thanks

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IMHO, you'll want to get your TU score over 600 in order to get the Walmart store card.  When my score was ~620, I was approved for the store card with a $300 CL.  

[SunriseEarth]

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@Anonymous wrote:
I forgot to add that my Uti is 69%. I'm paying down 3 of my cards

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Improving UTIL is one of the best things you can do for your score.   Once you get this down further, you will see strong improvement.   And keep sending your GW letters.   It usually takes multiple requests for success.   Good luck!

[taxi818]

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@Anonymous wrote:
I would like to apply for the card before my new car loan is reported and my score goes down. My TU score is 581 with 12 inq and 4 collections. I've been sending PFD letters since March and no one has responded yet. Another bad one is that I'm disputing 2 first premier accts.

Any suggestions would be helpful

Thanks

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Honestly if those are your scores and seeing how synchrony pulls Tu. Don't waste your time. Clean your report up first as you are only wasting a hp. Synchrony is easy but not that easy. I would say when you scores are lower 600 give it a shot. and still it would be tough. but only after you have cleaned up some of the negative items  Maybe trying calling instead of sending letters for PFD> they would respond more if you called each one up.

[taxi818]

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@Anonymous wrote:

Walmart will never approve u with a 581 score. Try with a 620+ score. If want card for sure with decent limit around 680+

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^^^^This but i did not want to say it. even forget the score. All those derogs really brings it home to wait.

[jeffery581]

I agree with others.

Pay down your utilization. You WILL see a score jump. It might suprise you how much it will jump. Throw every penny you can at them!

Work on the baddies. Never give up.

If you do this you might could get the mc version if you wanted. 

I just closed my wm mc, rewards not very good. IMO. 

Stick around these forums and the rebuilding section. I went from under 500 fico with 7 baddies to 757 and zero baddies. All thanks to the people on this forum. 

Hope that helps.

[jeffery581]

RE: Realistically, from a Fico perspective, if you already have THREE cards, student loans AND a new car loan, you don't need any more trade lines. Garden what you have pay down your uti% and continue to clean up, your going to be just fine. 

+1