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I just applied today online and was improved instantly for the store card with a $700 limit.
My EQ FICO is 666. I'm not sure about my TU, the last time I got the score a few months ago it was 600, but it's hopefully a litle higher now.
I don't have any collections, public records or charge-offs but I have several student loans shredding my reports. I'm in the rehab program but they don't take off the lates and fix up the tradelines until you complete the program, so I have a ton of lates.
Apped 15 days ago+-
AAoA 1 year 3-5 months
Oldest acc around 4 yrs
no baddies
no loans
pulled TU around 760
Got Wallmart Discover 1.1k CL
Income was 20k
Util 9-11%
My score was 607 or lower when i got approved last May...starting CL was $500 and it was auto increased to $900 in less than 3 months.... Next month is my 4th month and will see if i can get an increase again..... I had 5 collections, 4 chargeoffs at the time of approval.. Besides cap one, GE is the only one who would approve me
@kobe2012 wrote:My score was 607 or lower when i got approved last May...starting CL was $500 and it was auto increased to $900 in less than 3 months.... Next month is my 4th month and will see if i can get an increase again..... I had 5 collections, 4 chargeoffs at the time of approval.. Besides cap one, GE is the only one who would approve me
Did you use you card at all? Or did they give you an increase with no activity?
I applied for the WalMart card on 8/18 with a TU MyFICO 577 and $21k in CO.
I was instantly approved for $500 limit. I also disputed some info on my Experian report yesterday and found out that WalMart is already reporting!
Applied 8/8/12 - approved for $400. Approved for Amazon store card same day, $600.
TU 662 as reported on Walmart acceptance letter.
BK in 2005, no baddies since then, but a relatively thin file until my app spree earlier this month.
TU 666
EQ 658
both 1 2yr payed utility derog.
TU 3inq >10 years open > 3 deferred Student loans till 2014 > 1 Sec 600 PIF WF (1yr on time)
EQ 1 unpaid 1yr derog. 2 10year old positive cu loan reports... 3inq > 3 years open > 3 deferred Student loans till 2014 > 1 Sec 600 PIF WF (1yr on time)
It was only approved for $150 but that is because of my debt to income with the student loans.
Got one for wife today. EX 704 Tu658 Had a couple paid baddies, Income 122,000. Got approved for $500. Got Cap 1 a couple of weeks ag with 1K limit. First cards in YEARS.