Reply
Valued Contributor
Posts: 1,772
Registered: ‎10-28-2011
0

ouch walmart denied

683 transunion with 6 mos history 6 inquiries 1 baddie due to fall off beginning of next year. I got the 7 day message so I called and told me it was declined and that I would be sent a letter with denial reasons? I think they dont do recons. oh well guess ill just wait another 6 mos to see if I can graduate my secured cards

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Frequent Contributor
Posts: 426
Registered: ‎02-09-2012
0

Re: ouch walmart denied

Same thing happened to me and then a month after being denied, I went online to their website and clicked the credit card area and saw I was pre-approved!  I went for it and was approved!  And not much had changed on my report in the month between the denial and the approval....so who knows?! LOL!  Give it a month and check the website from time to time to see if a pre-approval shows up. Also, you may want to try applying in the store. I've read on here that some of been denied online then approved when they applied instore.  Good luck!

Slowly building....
Valued Contributor
Posts: 1,346
Registered: ‎04-15-2011
0

Re: ouch walmart denied

I've always thought applying in store for them (or most store cards) would bring the most positive result.  May or may not be true, but I've read many times that's where people had the best outcome.  I only applied once, years ago, in store, and was approved, same with Kohls before that, then Best Buy much later.

Frequent Contributor
Posts: 426
Registered: ‎02-09-2012
0

Re: ouch walmart denied


RyVision wrote:

I've always thought applying in store for them (or most store cards) would bring the most positive result.  May or may not be true, but I've read many times that's where people had the best outcome.  I only applied once, years ago, in store, and was approved, same with Kohls before that, then Best Buy much later.


+1

 

True.  I had success instore with Best Buy as well.  Ive also read on here alot of instore success sstories.... seems that chances are better applying in store.

Slowly building....
New Member
Posts: 8
Registered: ‎01-12-2012
0

Re: ouch walmart denied

When I applied for a store card, one of the employee's questions was "Are you planning to purchase something today? If so, how much?" Always make up a good number. It helps.

1ST FIN BANK 5 | AMERICAN EAGLE VISA 5.3 | AMEX FIA 15 | BEST BUY CHARGE 8 | CHASE AMAZON 4 | CHASE SLATE 1 | CITI DIAMOND PREFERRED MC 10 | CITI PLAT. SELECT AA MC 8.5 | CITI THANK YOU 10 | CITI THANK YOU PREFERRED 10 | DISCOVER MORE 16 | HHB PLAT MASTERCARD 4 | HOME DEPOT 10 | KOHL'S CHARGE 3.5 | NORDSTROM CHARGE 8 | SEARS CHARGE 4 | TARGET CHARGE 0.9 | TJX CHARGE 5 | WALMART CHARGE 2

TOTAL CREDIT 130.2 | UTILIZATION 2.1% | STUDENT LOANS INFINITY
Valued Contributor
Posts: 1,772
Registered: ‎10-28-2011
0

Re: ouch walmart denied

I didnt think there would be a difference. I dont get it cause Ive seen people with mid 500 tu and get approved with several derogs.

I think I shouldnt have applied cause my address doesnt match what I have on my license in the app. Would that cause a denial?

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Valued Contributor
Posts: 1,603
Registered: ‎12-07-2008
0

Re: ouch walmart denied

It matters the address on your reports versus your app.  You'll find out soon enough.  Sorry you were denied.  :smileysad:

 

Just curious, how do you have a baddie with 6 months history?

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


Take the FICO Fitness Challenge

Valued Contributor
Posts: 1,772
Registered: ‎10-28-2011
0

Re: ouch walmart denied


clocktick wrote:

It matters the address on your reports versus your app.  You'll find out soon enough.  Sorry you were denied.  :smileysad:

 

Just curious, how do you have a baddie with 6 months history?



I have 6 mos credit history. ive never had credit before. the baddie is from an old utility bill back a few years ago. my current address and whats on my reports match. but the app asked for my drivers license number and that doesnt match my current address

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Valued Contributor
Posts: 1,603
Registered: ‎12-07-2008
0

Re: ouch walmart denied

Ohhhh, I see.  Weird, I don't remember having to give my driver's license number on a credit app.

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


Take the FICO Fitness Challenge

Established Contributor
Posts: 745
Registered: ‎08-13-2011
0

Re: ouch walmart denied

GE money bank from my experience always asks for State of Lic and number:smileyhappy:





Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 673, Exp 664.,Eq 672 04/17/2015 TU 741 Equifax 682 Experian 678

Goal Score: 700 across the board


Take the FICO Fitness Challenge
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.