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Established Contributor
Posts: 971
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!

EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Moderator
Posts: 22,649
Registered: ‎12-13-2013
0

Re: Walmart app

I believe its 30 days


EX Fico 08 BC 08/15: 798 (-8); EX Fico 04 V2 06/14: 775
EQ Beacon 5.0 12/14 757
TU Fico 8 08/15: 761 (+6)
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Established Contributor
Posts: 971
Registered: ‎02-14-2013
0

Re: Walmart app

ok, thank you!

 

EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Regular Contributor
Posts: 224
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
Established Contributor
Posts: 971
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.  

EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Epic Contributor
Posts: 25,863
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 8: EX 694. TU 689. EQ 658. 05/26/2015
Established Contributor
Posts: 971
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!

EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Established Contributor
Posts: 678
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!]
August 2015 Scores: 654-705 ...No CA's or CO's, new car + high Util
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/Jared's ($4700); Target ($2000); Fingerhut/Gettington ($2250); **All my favorite retail cards ($51,250)..Luv'Em..they get heavy use!
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