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Frequent Contributor
Brian_Trying_700
Posts: 446
Registered: ‎09-14-2011

What to app 4 next ?????

I really want a GE backed card. I'm looking at either Lowes or Walmart. I really dont want to make Barclays mad. I just got my 5th statement in the mail. I have a 642 credit score with one $200 medical collection. What are my odds.

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Contributor
wealthcreator
Posts: 211
Registered: ‎07-02-2012

Re: What to app 4 next ?????

Try for walmart, you will also get free fico with walmart card.

Walmart TU-724 on 12-2012
EX-707 on 08-2012
EQ-668on 08-2012
_________________________________
Wallet - Discover 1500 | Chase Freedom 1500 | OldNavy Visa 2750 | Walmart 2000 | Amex BCE 6000 | BoA Visa Sig 5000 | Chase Marriott 5000 | Amex Hhonor 2000 | CSP 5000
__________________________________________
Established Contributor
kobe2012
Posts: 690
Registered: ‎03-16-2012

Re: What to app 4 next ?????

I'd say Walmart  card... Very easy to get


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



Frequent Contributor
Brian_Trying_700
Posts: 446
Registered: ‎09-14-2011

Re: What to app 4 next ?????

[ Edited ]

Apped for Walmart and got the 7-10 message. Will see what happens. My TU score is a 655.

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Established Contributor
kobe2012
Posts: 690
Registered: ‎03-16-2012

Re: What to app 4 next ?????


Brian_Trying_700 wrote:

Apped for Walmart and got the 7-10 message. Will see what happens. My TU score is a 655.


I hope you get it.. fingers crossed**


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



Frequent Contributor
Brian_Trying_700
Posts: 446
Registered: ‎09-14-2011

Re: What to app 4 next ?????

[ Edited ]

Called the backdoor # and got approved for up to $700. Yesssssssssss. :smileyhappy: Happy dance. @ the mods, please add this new # for the new accounts credit analysis. No line no wait and they speak english. 866-519-6441.

 

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Regular Contributor
jk26978
Posts: 164
Registered: ‎08-21-2010

Re: What to app 4 next ?????

Hopefully they are still open when I get home as I would like to try this number as well....I app'd yday and got the same 7 - 10 message - the last time I rec'd that message they denied me....so I was just figuring that it was going to be another denial.  I am happy that you were able to get approved - now I just hope that I am able as well.....any way - no more apps for me until I start car shopping in 9 - 10 mos, as I do not want any more inq's on any of my reports from now till then.  I figured with that much time from now till then even if denied again, I could still get my scores back to where they are now by PIFing and keeping my little builder loan going on time too.

 

 

Thanks and wonerful story

 

 

K

 

:smileyhappy:

 

 


Starting Score: 650 Current Score: EQ:716 (SW Alert 5-7-14) - TU: 698 (5/27/13 SW)Chapter 7 filed 8/2009 - Discharged 12/2009 Goal Score: 750
Joined the garden again 12/5/13
In the garden till at least 5/1/14
Frequent Contributor
Brian_Trying_700
Posts: 446
Registered: ‎09-14-2011

Re: What to app 4 next ?????

[ Edited ]

With your TU being a 703 looks good to me. My TU is a 655. I had two paid judgements from 5 years ago being in business and 1 medical collection for $200 from 6 years ago. I know Walmart uses there own scoring system. Finger crossed and get back to us.

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Regular Contributor
jk26978
Posts: 164
Registered: ‎08-21-2010

Re: What to app 4 next ?????

Sure hoping so - would love to get the free score - but the last time they denied only due to BK

 

Thanks

 

K


Starting Score: 650 Current Score: EQ:716 (SW Alert 5-7-14) - TU: 698 (5/27/13 SW)Chapter 7 filed 8/2009 - Discharged 12/2009 Goal Score: 750
Joined the garden again 12/5/13
In the garden till at least 5/1/14
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: What to app 4 next ?????


Brian_Trying_700 wrote:

Called the backdoor # and got approved for up to $700. Yesssssssssss. :smileyhappy: Happy dance. @ the mods, please add this new # for the new accounts credit analysis. No line no wait and they speak english. 866-519-6441.

 


CONGRATS!!!

 

Ge wil grow with you, use it well and pay good on it and ask for CLI's every 4 months.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

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