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

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

Take the FICO Fitness Challenge

Established Contributor
kobe2012
Posts: 691
Registered: ‎03-16-2012
0

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: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



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

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

Take the FICO Fitness Challenge

Established Contributor
kobe2012
Posts: 691
Registered: ‎03-16-2012
0

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: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

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 :smileyhappy: 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!



Take the myFICO Fitness Challenge
Established Contributor
jordanmedical
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

Take the FICO Fitness Challenge

Frequent Contributor
JPersat
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




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+
}