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So I decided to apply for the VS card since I have read that WFNNB is very forgiving with past credit histories. I have not applied for any cards since September 2011 which was for BOA preapproval and Walmart and I was denied on both. Cap 1 preapproval for credit steps which I was approved.....I applied for VS on 21st and got the 7-10 day message which I thought was automatic denial. So I called the recon line today and they said I was approved for $300CL... I know its small but this is my first store card in over 10yrs since my target and macy's went to charge off. I guess they give people the 7-10 day message alot.
My current file:
AAoA 4yrs
Credit history 10yrs
They pulled my EQ which was at 634 but dropped 7pts after they did an inquiry.(was at 525 this time last yr)
civil judgement $2900 from 2009
2 charge offs total $4400
1 paid collection
Congratulations! You have to start somewhere and no matter how small, it's a STEP.
I got declined but the letter sent said my score was 84 and I know thats impossible so I have to call back and find out what happened there.
OMG!! today is my lucky day. So I went ahead and applied for a GEMB card just to see if I will be denied, I apped for JCP and was approved for $200CL, I called and did a recon and they gave me $400CL. I also applied for Walmart again and I was instantly approved for $400CL... I am done with my mini app spree, I know I am about to take a huge hit with these hard inquiries and new accounts. I am looking forward to the great CLI from GEMB accts. The only card I want next is Amex in about 2yrs or so.
@cd2004 wrote:So I decided to apply for the VS card since I have read that WFNNB is very forgiving with past credit histories. I have not applied for any cards since September 2011 which was for BOA preapproval and Walmart and I was denied on both. Cap 1 preapproval for credit steps which I was approved.....I applied for VS on 21st and got the 7-10 day message which I thought was automatic denial. So I called the recon line today and they said I was approved for $300CL... I know its small but this is my first store card in over 10yrs since my target and macy's went to charge off. I guess they give people the 7-10 day message alot.
My current file:
AAoA 4yrs
Credit history 10yrs
They pulled my EQ which was at 634 but dropped 7pts after they did an inquiry.(was at 525 this time last yr)
civil judgement $2900 from 2009
2 charge offs total $4400
1 paid collection
CONGRATS!!!!
WFNNB for some reason doesn't like me at all
congrats
VS card huh? I doubt I would look good in pink
@Anonymous wrote:congrats
VS card huh? I doubt I would look good in pink
I'm still kicking myself for wasting an INQ 8 months ago on a VS card..............my DW probably wouldn't shop there.
@Anonymous wrote:congrats
VS card huh? I doubt I would look good in pink
.. thanks, come to think of it I don't really shop there but I was trying to app for the easiest one first...lol..
@cd2004 wrote:
@Anonymous wrote:congrats
VS card huh? I doubt I would look good in pink
.. thanks, come to think of it I don't really shop there but I was trying to app for the easiest one first...lol..
Make sure to use it, don't let them shut it down for inactivity.
gotcha!! I will try to make some small purchases under $40 and PIF each month.