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Established Contributor
Posts: 583
Registered: ‎06-22-2008

Re: Walmart Store Card


WiseYoungMan21 wrote:
Um, you have 140k in student loan debt. I'm assuming thats why they didn't approve you especially during these bad economic times.

Not true. I have $100,000 in student loan debt and they approved me for $500 storecard.



Starting Score: TU- 682, EQ- 698, EX- 713
Current Score: TU- 723, EQ- 747, EX- 737
Goal Score: 760 PLUS FICO's


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Valued Member
Posts: 34
Registered: ‎09-19-2008
0

Re: Walmart Store Card

I got a walmart store card with a CL of 700 had a EQ score of 655 which droped to 648 after they reported my account to EQ. Score should go up with my util droping from 53% to 34% after they report once I use the card. I also have a 3 year old Bk and owe 40k in student loans. I got the choice A thingy with an apr of 19.87%
as of 09/16/2008 TU 623, EX 620, EQ 663
as of 10/01/2008 TU 637, EX???, EQ 655
Regular Contributor
Posts: 231
Registered: ‎04-26-2008
0

Re: Walmart Store Card

I got a denial email today saying they were unable to verify my identity.  I called in very irate as I'd called twice to verify my info.  The woman I spoke to in the fraud dept said they couldn't verify my phone number.  We deduced b/c I have a private phone number, which is assinine.  I was so pissed by the end of the phone call.  I've had this phone number for 6 years and prefer it private.  In order to get a Wal-Mart card, seems I'd have to let the whole world know my phone number.  This company sucks.  I've never heard of something so idiotic. 
11/2013 FICO: 517 (TU), 560 (EX), 539 (EQ)
11/2013 FAKO: 593 (TU), 591 (EX), 595 (EQ)
New Member
Posts: 2
Registered: ‎06-09-2008
0

Re: Walmart Store Card


almost_there wrote:
I got a denial email today saying they were unable to verify my identity.  I called in very irate as I'd called twice to verify my info.  The woman I spoke to in the fraud dept said they couldn't verify my phone number.  We deduced b/c I have a private phone number, which is assinine.  I was so pissed by the end of the phone call.  I've had this phone number for 6 years and prefer it private.  In order to get a Wal-Mart card, seems I'd have to let the whole world know my phone number.  This company sucks.  I've never heard of something so idiotic. 

 

And they couldn't see the number you were calling from to try to verify it as well? Don't most company's phone systems show the number calling in? 

Regular Contributor
Posts: 231
Registered: ‎04-26-2008
0

Re: Walmart Store Card

Apparently not.  I'm so pissed beyond belief.  It's such a bs reason. 
11/2013 FICO: 517 (TU), 560 (EX), 539 (EQ)
11/2013 FAKO: 593 (TU), 591 (EX), 595 (EQ)
Valued Contributor
Posts: 1,998
Registered: ‎03-31-2008
0

Re: Walmart Store Card

I heard someone say you have put your home number on your application when you apply. I used my Cell phone number when i applied for Wal-Mart & Sam's an i was approved.

Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


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Regular Contributor
Posts: 231
Registered: ‎04-26-2008
0

Re: Walmart Store Card

I guess they could verify your cell.  Unfortunately, I don't have a cell.  Oh well.  I'm getting over it...
11/2013 FICO: 517 (TU), 560 (EX), 539 (EQ)
11/2013 FAKO: 593 (TU), 591 (EX), 595 (EQ)
Valued Contributor
Posts: 1,998
Registered: ‎03-31-2008
0

Re: Walmart Store Card

[ Edited ]

almost_there wrote:
I guess they could verify your cell.  Unfortunately, I don't have a cell.  Oh well.  I'm getting over it...

 

How could the not be able to verify a phone number they could have just called you right back to make sure you lived there.
Message Edited by mjbfan79 on 10-09-2008 12:27 PM

Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


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Regular Contributor
Posts: 231
Registered: ‎04-26-2008
0

Re: Walmart Store Card

[ Edited ]

It didn't seem like that was an option...

 

 

They just kept saying it was for my security.  Ha!

Message Edited by almost_there on 10-09-2008 10:32 AM
11/2013 FICO: 517 (TU), 560 (EX), 539 (EQ)
11/2013 FAKO: 593 (TU), 591 (EX), 595 (EQ)
Regular Contributor
Posts: 155
Registered: ‎05-07-2008
0

Re: Walmart Store Card

Sounds like a bogus reason for denial. Our phone number is unlisted as well, and both DH and I were approved for Walmart store cards in late 2006. 
TU=564 EQ=??? EX=??? 4/4/06
TU=643 EQ=625 EX=618 1/24/08
TU=678 EQ=651 EX=665 10/24/08
TU=694 EQ=669 EX=??? 9/24/09
TU=706 EQ=691 EX=??? 10/8/09
CH7 BK 2001

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