Credit Cards

[halos24]

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LS2982 wrote:

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halos24 wrote:

I recently was approved for Nordstrom card via a recon just last week, but I found it strange that in the mail today I received a letter which basically does show my account number, and the summary of the credit report they pulled.  They pulled EQ and it shows my score was 650 out of range 300-850.  The strange thing is there is nothing else attached, nor is the card with it??? On my recent approval from Citi Thank you I did get the same letter (or something like it) but it came along with the credit card.

Is this standard practice for those that have received a Nordstrom card recently?  Also, in looking at their scoring for EQ it seems they are using MyFico scoring? 

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Your card is in the mail!!

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, I think you knew exactly where I was going!  After that recon I was already thinking  oh no they changed their minds!

[Itsrx1]

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halos24 wrote:

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Itsrx1 wrote:

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halos24 wrote:

I recently was approved for Nordstrom card via a recon just last week, but I found it strange that in the mail today I received a letter which basically does show my account number, and the summary of the credit report they pulled.  They pulled EQ and it shows my score was 650 out of range 300-850.  The strange thing is there is nothing else attached, nor is the card with it??? On my recent approval from Citi Thank you I did get the same letter (or something like it) but it came along with the credit card.

Is this standard practice for those that have received a Nordstrom card recently?  Also, in looking at their scoring for EQ it seems they are using MyFico scoring? 

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If you don't mind me asking, what's the CL for your card? I'm going to app for Nordstrom in 6 mos, waiting for my inquiries to fall off and new ones to age as I read that Nordstrom is picky with inquiries regardless of score

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I was approved after a recon for $1k, of course they were very nice about even saying that I can call back if I need to make a bigger purchase or for a CLI in 6 months.  I had applied for the Visa which is their signature card (knew it was a long stretch), but they told me that they start their Visa S. Cards with at $5 CL, but certainly can all as time has passed to see if I could be upgraded.

What are your scores?  They are sensitive to inquiries that is for sure!  I was denied for too many inquiries mainly and high credit limit ratio to over CL.  I had 5 inquiries in the last 6 months but 3 were due to utilities (just moved) and the other 2 were from car shopping.  

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my equifax is 644, so close to yours, im thinking about apping but had 5-6 inquiries as well, what did you tell them when you reconned? 2 from car shopping and 2 from furniture stores when we moved 8 months back, my uti is very low though 1% according to credit karma. basically we are identical.

[halos24]

Is that EQ score from my fico or somewhere else?  How soon will some of the inquiries fall off?  Are the inquiries on EQ? If you search for the other thread I had started on my recon you will get a lot of great info!  I ended up emailing a letter to Mr. Nordstrom and received a great response. 

[Itsrx1]

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halos24 wrote:

Is that EQ score from my fico or somewhere else?  How soon will some of the inquiries fall off?  Are the inquiries on EQ? If you search for the other thread I had started on my recon you will get a lot of great info!  I ended up emailing a letter to Mr. Nordstrom and received a great response. 

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Halo, i actually read your thread and was really itching to app for this card, heard nothing but good things regading this card. inquiries are on my EQ report. do you think emailing him would benefit if i get decline? if so, will you pm me or post his email address? thanks

[Itsrx1]

halo, i just sent mr nordstrom himself an email too, i used yours to get idea on what i should write. fingers cross for approval!!! how long did it take for him to reply to you? and im not sure if the email address is correct, its a typical address first.last@company.com. so far it hasnt bounced back so im guessing its the correct address. hopefully my result will be same as yours!