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No update

Frequent Contributor

Re: No update

I'm convinced I swear but what kinda score would help my chances of getting it?
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
Current Score:714EQ Fico
Current Score: 742 fico


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Message 11 of 21
Regular Contributor

Re: No update

Yay! I finally got an update from myfico and score increase to 584! 40 points in 2 months. Wouldn't have done it without his forum! I just got the courage to apply for the famous Walmart credit card. It will send me a notice in 7 days if approved or denied. Praying its an approval with a decent cl. Will let you guys know if they approve someone like me! Smiley Happy

Message 12 of 21
Valued Contributor

Re: No update


pineappledaydreams wrote:
I'm convinced I swear but what kinda score would help my chances of getting it?

Well I did a search on another board and the lowest score approved was 603 on TU for a $300 CL.  But that is a start because the card will grow.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 13 of 21
Regular Contributor

Re: No update

Oh no! There goes my chance of getting approved and getting a hard inquiry at that too....
Message 14 of 21
Highlighted
Established Member

Re: No update

They denied me for their card and every other card they fund. Smiley Mad.. i dont know why because i shop there ALL the time!!Smiley Sad


Starting Score: 3/12 TU 533 Ex 458 EQ 519
Current Score: 12/12 TU 619 EX 556 EQ 601
Goal Score: 700
BK7 3/12 DIS 7/12 LAST HP 12/7
Last app 12/7/12 OFF TO THE GARDEN UNTIL 06/14!!!!
In wallet: Merrick Bank 600.00>NFCU sig rewards 500.00
Message 15 of 21
Regular Contributor

Re: No update

Hubby and I both got approved for a Walmart card and his TU is 590 on here. However, its TU08 with them is 638. So don't get down in the dumps yet. Also, my approval was at 598 on here and 641 on their TU08. When I apped I was approved instantly for 600CL, and hubby got the letter. When the letter came, it was a 'fraud protection' notice and he just had to call in and confirm his identity. He called in and his was already approved for a 600CL as well, and they just wanted verification of his identity before mailing out the card. 


Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Current Score: EQ 674 TU 679 Ex 686 EX
Goal Score: For now: 640s


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Message 16 of 21
Contributor

Re: No update

Which TU score does lender usually use?

Starting Score: 2/22/12: EQ 530, TU 553, EX 528(lender). 12/4/12 (rebuilding starts)= EQ 599.
Current Score: 1/4/16: EQ 743, TU FICO 724, EX 737.
Goal Score: 750 all across.

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Message 17 of 21
Regular Contributor

Re: No update

Walmart uses TU 08. If you have older baddies, and nothing recent, 08 seems to score higher than the 98 version used by My FICO. 


Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Current Score: EQ 674 TU 679 Ex 686 EX
Goal Score: For now: 640s


Take the FICO Fitness Challenge
Message 18 of 21
Regular Contributor

Re: No update

Got denied for Walmart! Smiley Mad oh well.. they said try again in a month. Guess you do need a score higher than 584.. 

Message 19 of 21
Valued Contributor

Re: No update


Rein wrote:

Got denied for Walmart! Smiley Mad oh well.. they said try again in a month. Guess you do need a score higher than 584.. 


Oh sorry to hear that.  But you should be a shoe in with them once you get your score over 600.  It's not that far away for you.  Do you have any high utilization that could be keeping your score down?


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 20 of 21