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Regular Contributor
RTOrockstar
Posts: 232
Registered: ‎02-02-2012

Re: Walmart instant denial :(

Just do a search for shopping cart trick here in the forums. Other people can probably explain it way better than me. 

Wallet:
CapOne QuicksilverOne $500/VS $700/Express $500/Walmart $2000/Old Navy $600/SC Telco Visa $1K/HH Gregg $1500/Target REDcard $200



New Member
kdcka1
Posts: 19
Registered: ‎03-17-2013

Re: Walmart instant denial :(

Thanks, I did - so I will give it a whirl!


Starting Score: 563
Current Score: 694
Goal Score: 720


Take the myFICO Fitness Challenge


Member
elizabeth16
Posts: 9
Registered: ‎04-15-2012

Re: Walmart instant denial :(


Credit sesame score 695 ( lol)
Experian fako 651
Credit karma 665
Walmart TU 636
Lending tree 631

New Member
kdcka1
Posts: 19
Registered: ‎03-17-2013

Re: Walmart instant denial :(

Ok - I got the pop up with the instant approval for VS - so I feel better - I didnt take it - I want to wait for PSECU and dont want to upset them with a new account.  But at least I know if all else fails - I can get VS. Thanks for the tip!!!


Starting Score: 563
Current Score: 694
Goal Score: 720


Take the myFICO Fitness Challenge


Senior Contributor
DaBears
Posts: 3,923
Registered: ‎10-26-2012

Re: Walmart instant denial :(


kdcka1 wrote:

Ok - I got the pop up with the instant approval for VS - so I feel better - I didnt take it - I want to wait for PSECU and dont want to upset them with a new account.  But at least I know if all else fails - I can get VS. Thanks for the tip!!!


My wife wanted me to open up a VS card and like a idiot I did. Now I have 3 dressers in our bedroom!!!:smileymad: go figure!!

Established Contributor
TimeToRecover
Posts: 527
Registered: ‎03-21-2013

Re: Walmart instant denial :(

I am curious are the scores you posted FICO or FAKO.  That could make a difference. 


Starting Score: 570 ish
Current Score:EX (666) Fair Isaac Ver24/21/2014, EQ (669) Beacon 5 4/21/2014, TU (699) Fico Classic 04 4/21/2014 (ALL MORTGAGE PULL So close to that 700)
Goal Score: 750
NEW HOUSE - Building 2% complete
In My Wallet: GE Care Credit (8K) BofA Cash Rewards Signature Visa (5K) Cap One Quicksilver (4.5K) Chase Freedom (4K) VS Angel Card (900)
Moderator
09Lexie
Posts: 24,119
Registered: ‎09-13-2012

Re: Walmart instant denial :(

Sorry about the denial. Regarding the shopping cart trick, just because it popped up once doesn't mean it will pop up again. Odd but true. Keep that in mind next time you want to see if it works.

Good luck!
Moderator
Shogun
Posts: 12,860
Registered: ‎04-15-2011

Re: Walmart instant denial :(

I must agree with the others, I would have bet t that you would have qualified.  Are you sure they pulled TU?  I know when I got my initial card, they pulled EX.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Frequent Contributor
new_earth
Posts: 406
Registered: ‎03-23-2013

Re: Walmart instant denial :(

I never get approved for Walmart either, or ANY card by GECRB. They hate me :smileysad: I do need to improve a few things on my reports but it's frustrating.

Comenity cards were my savior, along with FP, Macy's & Bloomingdales.

The Duck Card $7500 - DCU Visa Platinum $7100 - Amex Everyday $5000 - Amex Delta Skymiles $3500 - Discover it $2500 - Chase Freedom $3500 - Chase Slate $2000 - Barclay Rewards MC $3300 - Ebates Visa $1800 - Macy's Amex $3000 - Bloomingdale's Amex $3000 - Walmart Discover $6000 - Chevron-Texaco Visa $2800 - PayPal SC $3200 - Home Depot $5000 - and too many other store cards
New Member
kdcka1
Posts: 19
Registered: ‎03-17-2013

Re: Walmart instant denial :(

They are FICO - EQ and TU from this site and EX from PSECU FICO

Starting Score: 563
Current Score: 694
Goal Score: 720


Take the myFICO Fitness Challenge



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