Oh yes, no prob!! I wish I would have found this site sooner. I am in the perfect time in the "rebuilding" process, next year most of the last of the baddies will fall off from the college years and I have found that some are falling off even before the dates they state they will.. (Nice!) Dont give up for sure, when I called in and spoke with a walmart csr, they told me to go in to the store to apply always, much better chance of approval and higher credit limit. I applied in store in April and was denied. However, in the last few months, some baddies that were supposed to fall off next year fell off in the past few months and I paid down the balances of my rebuilder cards. I also got approved got an instant in store JcPenney card. Which if you are rebuiliding, you might want to try for in store, they seem to approve lower scores sometimes. I find alot of help from this site, www.financialglobe.com and www.whogavemecredit.com in terms of approvals and credit scores.
I applied a second time online for the walmart card in May, but got the 7-10 day message, the email said the application was too soon within 30 days of the last credit application. I knew my fico had just jumped 40 points. They checked Transunion in April and thats what I was counting on, so last weekend I walked into Walmart and applied, got the receipt, called and got shocked with the 1200 approval. I found out they checked my Equifax, which is strange since they checked TU before, these companies are so finicky, lol. So the moral of the story is, wait a few months and you are right, they will give you a chance. My first walmart card in college was a 75 credit limit. I dont know why they gave me 1200, I will never spend that much and for walmart from what I have researched, that is high, but I will take it and run, hehe... Good luck on reestablishing. I thought at the beginning of the year that I would have to wait until all of my baddies fell of next year before getting any credit. 10/09 I got the Premier card for rebuiliding, 04/10 I got capital one, 05/10 JcPenney 200, now walmart and also chevron/texaco for 350, which is also backed by GEMB, they checked my TU here in Tx..
Please keep me posted on your credit adventure, it is possible, if I could do it, I know you can! Oh, P.S. I have a Backdoor Reconsideration number for Walmart : I called and spoke with a very nice guy in the underwriting dept who told me that you have to wait until you right after you just apply for a card either in store, or online, not 5 days or 15, and call in and they have the power to override the denial. He told me to reapply in July and if I was denied, call back and it could be overridden. If you want the number, I will give you the number I called to get to them and then you will have to ask for the dept, because I threw the ext away after approval, but the dept exists and the guy made it sound like it was really possible, but must be done right after applying. If you want number, let me know... ~Shannon
