Reply
Frequent Contributor
Deltadog03
Posts: 345
Registered: ‎02-14-2013
0

Walmart app

Hey everyone, how much time do you need in between apps with Walmart?  30 days?  45?  Thank You!

EX: 619 (FICO) 3/14/14
EQ: 587 (FICO) 3/14/14
TU: 579 (FICO) 3/2/14

Goal: 700 Across the board In Garden until 4/1/16
Merrick Bank (0/500) Cap 1 Secured (0/201) Cap 1 Plat (0/300)
Valued Contributor
gdale6
Posts: 9,263
Registered: ‎12-13-2013
0

Re: Walmart app

I believe its 30 days

EX Cred Ses 08/14: 767 ; EX Fico 04 V2 06/14: 775; EX Fico 08 07/14 778 ; EX Fico 08 BC 07/14: 800
EQ Fico 05/14 781 ; EQ MPM 07/14: 721
TU Fico 8 07/14: 719; TU MPM 06/14 706
Frequent Contributor
Deltadog03
Posts: 345
Registered: ‎02-14-2013
0

Re: Walmart app

ok, thank you!

 

EX: 619 (FICO) 3/14/14
EQ: 587 (FICO) 3/14/14
TU: 579 (FICO) 3/2/14

Goal: 700 Across the board In Garden until 4/1/16
Merrick Bank (0/500) Cap 1 Secured (0/201) Cap 1 Plat (0/300)
Regular Contributor
angelcred10
Posts: 216
Registered: ‎03-12-2013
0

Re: Walmart app

wait... wait wait

 

you are RE-Applying?

 

what was reason for denial in the first place? did you Recon?


Starting Score: 635 Current Score: 686 Citi Pull
Goal Score:720s
Tried to use Images but it was all Wibbly, Wobbly, and Timey-Wimey.
Cap One Quicksilver $1,300 Wal-Mart $1,000 Best Buy $1.5K DiscoverIT $2.5K Chase Freedom $3K AMEX BCE $2K
Chase Slate - $1,000
AMEX Everyday - $4,000
Sallie Mae - $2,500
New!! Citi Double Cash - 1K
CC Pay-Off Challenge!!!!!
Frequent Contributor
Deltadog03
Posts: 345
Registered: ‎02-14-2013
0

Re: Walmart app

It would to be to reapply.  They denied me back on 2/14 due to utl on revolv to high.  My util was like 95%.  Its now down at 45% so I was going to try again to see if that did the trick.  

EX: 619 (FICO) 3/14/14
EQ: 587 (FICO) 3/14/14
TU: 579 (FICO) 3/2/14

Goal: 700 Across the board In Garden until 4/1/16
Merrick Bank (0/500) Cap 1 Secured (0/201) Cap 1 Plat (0/300)
Epic Contributor
Creditaddict
Posts: 21,596
Registered: ‎10-23-2007
0

Re: Walmart app


Deltadog03 wrote:

It would to be to reapply.  They denied me back on 2/14 due to utl on revolv to high.  My util was like 95%.  Its now down at 45% so I was going to try again to see if that did the trick.  


not if that TU score of 574 is current!

I would NOT apply for any GE backed card including walmart until you are at a 610 TU or better. Have people gotten approved lower, yes... but you already were denied so make sure next time you get approved when you apply and the best chance of that happening are to be much better not just a drop in util.

Fico Scores: EQ- 653 Cap1., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
65 Cards and Counting :smileytongue:
Frequent Contributor
Deltadog03
Posts: 345
Registered: ‎02-14-2013
0

Re: Walmart app

Good call, yes its 579 right now, so I will more than likely just wait.  The score will go up once barclays refreshes on my report.  TY!

EX: 619 (FICO) 3/14/14
EQ: 587 (FICO) 3/14/14
TU: 579 (FICO) 3/2/14

Goal: 700 Across the board In Garden until 4/1/16
Merrick Bank (0/500) Cap 1 Secured (0/201) Cap 1 Plat (0/300)
Established Contributor
toi34
Posts: 502
Registered: ‎01-31-2009
0

Re: Walmart app

You need at least a 630+ on TU.

May 2013 Starting Scores: 540's-570's [no credit cards, no inq's, 1 Student Loan 90 day late, CA's and CO's...most PFD'd!]
September 2014 Scores: 660-705 ...Getting there!
Current Cards: SDFCU Secured ($300); Logix Secured ($500); Tobyhanna FCU ($5000); Sony Visa ($3000); Apple PC'd to Rewards MC ($1200); Barclay Rewards MC ($1300); B&N ($500); Discover ($1000); 'Credit Steps' ($2300), QS One ($750);Care Credit ($9000); US Bank Platinum ($5000); Fifth Third SU2C ($3000); Kay's ($3000); Jared's ($3000); Fingerhut ($1550); **All my favorite retail cards ($25,450)..Luv'Em..they get heavy use!

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+
}