08-19-2011 09:52 AM
I have rebuilt my score from 518 to 667 over the past two years, I applied for a Jcpenney card and got denied. Does anyone know what their minimum is? I have only 2 accounts on my report that are bad- and they are both one 30 day late. No repossessions, bankruptcies, etc.
08-19-2011 10:01 AM
That's so weird. JCP was my first card after bk and I'm certain my scores were in the 500's back then when they gave me the card.
I think sometimes it helps to apply at the register vs. online. Maybe??
08-21-2011 12:18 AM
Welcome to the forums,
CC are not approved by credit scores alone.Your score maybe ok with JCPenneys,they may had an issue with employment,income.etc.
IME, I received a letter stating the reason why I was denied.
Some letters will give you a reason, while others tell you to pull your CR's.
Contact JC penneys and ask if they will reconsider, and if they says no, ask why.
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