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Established Contributor
Posts: 1,011
Registered: ‎04-08-2012
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Walmart and Barclay already reporting

Just got approved this past week. Funny thing is, on my tu report Barclay miskeyed the opening date at 1970 lol, I wasn't even alive then. Guess they were in a rush to report.

Question about Barclay, do they cld you when you apply for 1 or 2 account within a year of having them or only if you apply for another 1-2 cards? I think they will force me to garden lol.


Funny thing, I didn't realize the Barclay was an actual visa and not just an apple financing card.
-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

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Established Contributor
Posts: 757
Registered: ‎03-16-2012
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Re: Walmart and Barclay already reporting

[ Edited ]

Congratz on the approvals... I know GE cards are so fast in reporting... not sure about barclay... am thinkin of gettin the apple visa..... am torn between freedom and barclay cause I do wanna get approved with a good limit and don't wanna waste another inquiry.... questions....

 

what was your score upon approval (barclay)??

since you said it was  visa, does that mean you can use it anywhere???? (dumb question but i just wanna make sure)

what's your starting CL ??

any baddies???

and how many inquiries do you have??

 

sorry for the questions.....


Starting Score: TU: 481 12/30/2015 EQ:561 12/30/2015 EX:532 12/30/2015 (MYFICOS) BK FILED: 09/2015 DISCHARGED 12/2015 -- 02/28/2016 TU:551 EQ: 599 EX: 561
Established Contributor
Posts: 1,011
Registered: ‎04-08-2012
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Re: Walmart and Barclay already reporting

[ Edited ]

Yes, when I called to check my statement closing date, I was advised that Barclay is a Visa that you can use anywhere with a store apr (20 something percent). I just thought it was an apple store card but I was incorrect. I still wouldn't use it unless I PIF'd for other things (other than 0% apple offers) because of the high apr.

 

I was approved after RECON (which a lot of people are), they matched my highest limit. Starting CL 3,000 and my TU Score is what it shows below under WALMART Fico. I have baddies but none in the last year. Only baddies on TU are paid. My TU inquiries are odd, meaning after I applied for WalMart, GE Took off my inquiries from them that were over a year old (had applied for their amazon and another one of there cards over a year ago) so b/c of that my inquiries remained at 11.

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

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Established Contributor
Posts: 757
Registered: ‎03-16-2012
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Re: Walmart and Barclay already reporting


jordanmedical wrote:

Yes, when I called to check my statement closing date, I was advised that Barclay is a Visa that you can use anywhere with a store apr (20 something percent). I just thought it was an apple store card but I was incorrect. I still wouldn't use it unless I PIF'd for other things (other than 0% apple offers) because of the high apr.

 

I was approved after RECON (which a lot of people are), they matched my highest limit. Starting CL 3,000 and my TU Score is what it shows below under WALMART Fico. I have baddies but none in the last year. Only baddies on TU are paid. My TU inquiries are odd, meaning after I applied for WalMart, GE Took off my inquiries from them that were over a year old (had applied for their amazon and another one of there cards over a year ago) so b/c of that my inquiries remained at 11.


oh ok.... thanks for the info....


Starting Score: TU: 481 12/30/2015 EQ:561 12/30/2015 EX:532 12/30/2015 (MYFICOS) BK FILED: 09/2015 DISCHARGED 12/2015 -- 02/28/2016 TU:551 EQ: 599 EX: 561
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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Re: Walmart and Barclay already reporting


jordanmedical wrote:
Just got approved this past week. Funny thing is, on my tu report Barclay miskeyed the opening date at 1970 lol, I wasn't even alive then. Guess they were in a rush to report.

Question about Barclay, do they cld you when you apply for 1 or 2 account within a year of having them or only if you apply for another 1-2 cards? I think they will force me to garden lol.


Funny thing, I didn't realize the Barclay was an actual visa and not just an apple financing card.

 

Congrats on Barclay's and walmart! You're rebuilding is going very well Smiley Happy I remember when you first joined nfcu and got the secured card... now you have.2 cards with 3 k limits that are UNSECURED! That's awesome Congrats!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Established Contributor
Posts: 1,011
Registered: ‎04-08-2012
0

Re: Walmart and Barclay already reporting

[ Edited ]

Thanks webhopper, it is going well but still have some work as got declined for BOA and Discover recently. I think I was on a high from the two approvals and shot to far lol. On to the garden and more rebuilding.

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

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Frequent Contributor
Posts: 299
Registered: ‎05-28-2012
0

Re: Walmart and Barclay already reporting

Walmart is pretty dang fast. Got an approval on tuesday, got the scorewatch alert that they're reporting today. Card isn't even here yet!


Starting Score: 492 02/12
Current Score: TU: 668 (FICO), EQ: 668 (FICO). EX: 651(lender pull 9/27/12)
Goal Score: 660



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