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Regular Contributor
Posts: 147
Registered: ‎07-19-2010
0

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
Posts: 58
Registered: ‎04-23-2012
0

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
Posts: 1,011
Registered: ‎04-08-2012
0

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

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Regular Contributor
Posts: 147
Registered: ‎07-19-2010
0

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.Smiley Happy.. 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
Posts: 15,453
Registered: ‎04-09-2011
0

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 Smiley Sad




EQ FICO 548 3/3/16
Regular Contributor
Posts: 565
Registered: ‎06-12-2010
0

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

congrats Smiley Happy

 

VS card huh?  I doubt I would look good in pink Smiley Tongue


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
Posts: 15,453
Registered: ‎04-09-2011
0

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


psychoinhell wrote:

congrats Smiley Happy

 

VS card huh?  I doubt I would look good in pink Smiley Tongue


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




EQ FICO 548 3/3/16
Regular Contributor
Posts: 147
Registered: ‎07-19-2010
0

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


psychoinhell wrote:

congrats Smiley Happy

 

VS card huh?  I doubt I would look good in pink Smiley Tongue



Smiley LOL..  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
Posts: 15,453
Registered: ‎04-09-2011
0

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


cd2004 wrote:

psychoinhell wrote:

congrats Smiley Happy

 

VS card huh?  I doubt I would look good in pink Smiley Tongue



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


Smiley Very Happy

 

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




EQ FICO 548 3/3/16
Regular Contributor
Posts: 147
Registered: ‎07-19-2010
0

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

Smiley Winkgotcha!! 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

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