Reply
Regular Contributor
cd2004
Posts: 147
Registered: ‎07-19-2010

can't believe it....approved WFNNB Victoria Secret, JCP and Walmart

[ Edited ]

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

 

Starting scores Jan 2011: EQ: 510(fico) TU:521(fico) EX?
June 2014 scores EQ08:683 TU08:667 EX:651(amex)
Goal: 700's

in my wallet:BarclayMR $7k/CareCredit $7k/DiscoverIT $6k/Ashley furn. $5k/Springstone $5k/Kanes furn $3.5k/Walmart $2.7k/Cap 1 Plat.$ 2.5k/JCP $2.5k/Chase freedom $1.7k/TJX $1.7k/Cap 1 cash $1.5k/Amex delta $1k/Victoria $950/Paypal $800
New Contributor
livingfree
Posts: 54
Registered: ‎04-23-2012

Re: can't believe it....approved WFNNB Victoria Secret

Congratulations! You have to start somewhere and no matter how small, it's a STEP.

5/13/13 EQ 636 (Myfico), TU 660 lender pull , EX 640 lender pull
Barclay Rewards MC $2300, Cap One $750, Walmart $800, Macys $2000, Lane Bryant $600.
Established Contributor
jordanmedical
Posts: 1,011
Registered: ‎04-08-2012

Re: can't believe it....approved WFNNB Victoria Secret

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.

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Regular Contributor
cd2004
Posts: 147
Registered: ‎07-19-2010

Re: can't believe it....approved WFNNB Victoria Secret

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.:smileyhappy:.. 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.

Starting scores Jan 2011: EQ: 510(fico) TU:521(fico) EX?
June 2014 scores EQ08:683 TU08:667 EX:651(amex)
Goal: 700's

in my wallet:BarclayMR $7k/CareCredit $7k/DiscoverIT $6k/Ashley furn. $5k/Springstone $5k/Kanes furn $3.5k/Walmart $2.7k/Cap 1 Plat.$ 2.5k/JCP $2.5k/Chase freedom $1.7k/TJX $1.7k/Cap 1 cash $1.5k/Amex delta $1k/Victoria $950/Paypal $800
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: can't believe it....approved WFNNB Victoria Secret


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 :smileysad:




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
Regular Contributor
psychoinhell
Posts: 565
Registered: ‎06-12-2010

Re: can't believe it....approved WFNNB Victoria Secret

congrats :smileyhappy:

 

VS card huh?  I doubt I would look good in pink :smileytongue:


Starting Score: 600ish in 2007
Highest Score to date: EQ 716 May 2012(lender pull)
Current Score: EQ 685 6-21-12 ; Walmart TU Fico 744 6-05-12
Goal Score: 801
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: can't believe it....approved WFNNB Victoria Secret


psychoinhell wrote:

congrats :smileyhappy:

 

VS card huh?  I doubt I would look good in pink :smileytongue:


I'm still kicking myself for wasting an INQ 8 months ago on a VS card..............my DW probably wouldn't shop there. :smileysad:




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
Regular Contributor
cd2004
Posts: 147
Registered: ‎07-19-2010

Re: can't believe it....approved WFNNB Victoria Secret


psychoinhell wrote:

congrats :smileyhappy:

 

VS card huh?  I doubt I would look good in pink :smileytongue:



:smileylol:..  thanks, come to think of it I don't really shop there but I was trying to app for the easiest one first...lol..

Starting scores Jan 2011: EQ: 510(fico) TU:521(fico) EX?
June 2014 scores EQ08:683 TU08:667 EX:651(amex)
Goal: 700's

in my wallet:BarclayMR $7k/CareCredit $7k/DiscoverIT $6k/Ashley furn. $5k/Springstone $5k/Kanes furn $3.5k/Walmart $2.7k/Cap 1 Plat.$ 2.5k/JCP $2.5k/Chase freedom $1.7k/TJX $1.7k/Cap 1 cash $1.5k/Amex delta $1k/Victoria $950/Paypal $800
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: can't believe it....approved WFNNB Victoria Secret


cd2004 wrote:

psychoinhell wrote:

congrats :smileyhappy:

 

VS card huh?  I doubt I would look good in pink :smileytongue:



:smileylol:..  thanks, come to think of it I don't really shop there but I was trying to app for the easiest one first...lol..


:smileyvery-happy:

 

Make sure to use it, don't let them shut it down for inactivity.




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
Regular Contributor
cd2004
Posts: 147
Registered: ‎07-19-2010

Re: can't believe it....approved WFNNB Victoria Secret

:smileywink:gotcha!! I will try to make some small purchases under $40 and PIF each month.

Starting scores Jan 2011: EQ: 510(fico) TU:521(fico) EX?
June 2014 scores EQ08:683 TU08:667 EX:651(amex)
Goal: 700's

in my wallet:BarclayMR $7k/CareCredit $7k/DiscoverIT $6k/Ashley furn. $5k/Springstone $5k/Kanes furn $3.5k/Walmart $2.7k/Cap 1 Plat.$ 2.5k/JCP $2.5k/Chase freedom $1.7k/TJX $1.7k/Cap 1 cash $1.5k/Amex delta $1k/Victoria $950/Paypal $800

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+