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jorgevazquez87 wrote:

Thanks for your response.

 

About the delinquency, it was a total mistake of mine to let the payment past due. Also I have an account (student loan) which I paid in full on this month (2 weeks ago) but it's still on the FICO report, do that amount shown even already paid in full could benefit or affect the decision on approval for the Walmart CC?

 

Thanks!

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im sure it can effect it but not by much. installment loan util is placed way lower on the fico scale compared to revolving util

Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13) Starting total revolving credit: $2600 | Current total revolving credit: $21,600 Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012

2013 Goals: Freedom Signature Costco:True Earnings

Amex Zync(Unicorn) Chase Freedom$1500 Citizens Mastercard$5000