12-10-2012 05:24 PM
12-10-2012 07:18 PM
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!
12-10-2012 07:26 PM
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.
12-10-2012 07:52 PM
They denied me for their card and every other card they fund. .. i dont know why because i shop there ALL the time!!
12-10-2012 08:52 PM
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.
12-10-2012 09:05 PM
12-10-2012 09:13 PM
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.
12-12-2012 05:28 PM
Got denied for Walmart! 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?
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.