The tax lien is not holding me back because it is paid and old. I have just received cards from AMEX and Chase and believe me they are much harder to obtain than Hooters. So let me re-phrase for you, I wonder why they are looking at my old, paid tax lien for 15 days.
i think it may just be who you talk to. last night i called and they had ne record of me at all. the cr told me to call back when the credit dept. opened. i called 3 hours prior to credit opening and the cr gave me my limit. don't loose heart, if they gave me a card you're in.
Can you all tell me what your UTI was on your other cards at the time of application, whether it may affect approval or not, and/or if you think Hooters decisions are based soley on scores. I am in Michigan and am also wondering if anyone knows who they pull from. I have been working so hard on my scores since a terrble (abusive) marriage, and have gone from the LOW 400's to FICO median today of 583. The reason I ask is I just paid down UTI to about 50%, and intend to have it down to 10% or less by the new year, but, a larger limit card would certainly help. Any thoughts ?