topic Re: Overstock SCT approval -- but nothing else??? in Credit Card Approvals

Overstock SCT approval -- but nothing else???

jsully87 — Fri, 21 Nov 2014 19:43:21 GMT

Hey everyone -- I don't know if I have ever posted here, and if I have - it has been a LONG time. But a daily user of the forum.

Anyways --- so I am rebuilding... got a SCT pop up for overstock store card the other day, and approved at $500.

(the first one since VS months ago via SCT, and that card has gone from $250-$700 in just a few months, and now a "forever Angel"

Just wondering why I haven't gotten ANY other pop ups??

I have tried every way possible....just curious if my scores are low, why I got a pop up from Overstock and nothing else?? I really want an Amazon store card

I currently am AU on DH cards - and I have the one VS cc, and fingerhut cc for $850

~28K in Student loans, all current, one OLD 30 late from two years ago...

and one installment loan all current

I currently get a Cap1 pre-approval almost daily -- even tho I have 2 CO from them, and a repo/CO, which is paid

So here's a snap shot...

Scores in the mid 500's -- even tho lender pull (student loan refi) was EX 603 today

PrivacyGuard says Experian - 535, Equifax - 528, TransUnion - 509

Credit Karma - 607

Nov 20, 2014 You now have 1 hard credit inquiry on your report (10 removed).

Inquiries Activity

Credit Sesame - 629 (14 INQ listed- 5 from this year, 2 in last 6 mos.)

Current Debt / Balances /Monthly Min. Payments
Credit Cards $1,781 / $125

Student Loans $29,210 /$361

Total $30,991/ $486

Quizzle - 574

12 Open Accounts
15 Closed Accounts
12 Negative Accounts (lots of CC CO - a handful of collections, all YEARS old, disputed disputed disputed...etc...)
22 INQ - (i think some are soft pulls tho)

Currently with Skyblue Credit Repair -- since I signed up two weeks ago, somehow 10 INQ were removed from TU so says CreditKarma.

In TX...

ALSO -- my American Eagle card I got in 2006 - that EX hubby closed -- is about to fall off -- it is currently my oldest card, even tho closed -- any chance I can get them to reopen it??

Thank you all for all your wonderful knowledge and experience....I have been reading your posts for a few years now.

And thanks for ANY advice you can give

Re: Overstock SCT approval -- but nothing else???

jsully87 — Fri, 21 Nov 2014 20:04:59 GMT

TMI?

Re: Overstock SCT approval -- but nothing else???

jsully87 — Fri, 21 Nov 2014 20:27:05 GMT

Comments? Advice? Please?

Re: Overstock SCT approval -- but nothing else???

Creditaddict — Fri, 21 Nov 2014 20:32:45 GMT

I would grab the pre-approval on capital one and then I would sit and let more things come off and garden.

Re: Overstock SCT approval -- but nothing else???

b_diddy — Fri, 21 Nov 2014 20:36:28 GMT

Congrats on the OS approval ... all the scores you mention are FAKO's and not great for giving you the scoop on your actual FICO scores. Your scores could be higher or lower than any particular FAKO. You also mention 22 INQ. Soft inquiries don't show up on most FAKO reports so these are likely all hard inquiries. Hard inquiries also ding your score. I don't know if anyone here has figured out a reliable for formula for why some get SCT popups and others don't.

Re: Overstock SCT approval -- but nothing else???

Anonymous — Fri, 21 Nov 2014 20:41:25 GMT

you mention the shopping cart trick and state that you can't get any other approvals and that you really want the Amazon store card.

1. Not to be mean but with your scores I'm shocked that you got the one from Overstock. Take CreditAddict!s advice, get the Cap One card and then don't apply for anything else until your scores go way up.

2. The Amazon card will never come up in a pop up. It's not Comenity Bank where all the pop ups for the SCT come from, but Synchrony Bank.

Re: Overstock SCT approval -- but nothing else???

jsully87 — Fri, 21 Nov 2014 20:54:36 GMT

Thanks

Privacy Guard is FAKO too? Skyblue made me sign up that's the only reason I signed up..

The 22 INQ - I guessed some were soft, because I saw a few re-occuring from creditors I already have credit with....and I haven't applied for anything (HP anyways)

in quite a while....

Thank you for responding!!

Re: Overstock SCT approval -- but nothing else???

jsully87 — Fri, 21 Nov 2014 20:59:09 GMT

@Irish - I know I am just as shocked as you I got that pop-up. I was shocked last year when I got VS...but I've treated it well, and they have rewarded me...

I don't think I can get Cap1 unless it is true what I've seen on here about them being forgiving....my repo (which I hope to get rid of, it was an Ex's car, I just helped him finance it, and he screwed me, but it's paid) -- and I have two cards from them CO/closed....from a few years ago...

And I know Amazon doesn't come up in a pop up -- I'm just hoping I can get my scores up enough to get it --- hopefully with the TU INQ falling off, and Skyblue's help, it won't be long....

And I know paying for credit repair is "lazy" -- I have done my fair share of my own repair over the years, but I just don't have the time right now...

Thank you so much for responding.

I would take cap 1 pre-approval, but everytime I go to the website, it says it can't find anything for me....and I don't really wanna risk another INQ. Unless ya'll think I should go for it??

Thanks again.

Re: Overstock SCT approval -- but nothing else???

Creditaddict — Fri, 21 Nov 2014 21:23:24 GMT

Where is the pre-approval coming from, in mail?

what card and terms is it showing you?

Re: Overstock SCT approval -- but nothing else???

jsully87 — Fri, 21 Nov 2014 21:26:14 GMT

@Creditaddict wrote:
Where is the pre-approval coming from, in mail?
what card and terms is it showing you?

Yeah - they are all mailers....I litterally get like 5 a week. Mostly 0% intrp APR...I've gotten a few different ones....but I get SOOOOOO many...and I just know they probably hate me for burning them with charge offs....

I was thinking about calling them.....but I'm chicken. Lol

Re: Overstock SCT approval -- but nothing else???

Anonymous — Fri, 21 Nov 2014 21:33:57 GMT

Hello, You are not alone. My scores are similar to yours. I am so frustrated that I am unable to get the cards I truly want. I guess it's just a waiting game for me. By the way, thansk for mentioning Skyblue Credit Repair. I just called and signed up with them

Re: Overstock SCT approval -- but nothing else???

jsully87 — Fri, 21 Nov 2014 21:37:17 GMT

@Anonymous wrote:
Hello, You are not alone. My scores are similar to yours. I am so frustrated that I am unable to get the cards I truly want. I guess it's just a waiting game for me. By the way, thansk for mentioning Skyblue Credit Repair. I just called and signed up with them

Glad to help!

I've been on this site for a while - always reading, hardly responding. But I'm ready now!!

My scores are fickle - always up and down (but I know I carry balances EVERY month) that's why I am hoping to get a couple more, or one with at least $1000 so I can divy up the balances better.....it's hard between my DH cards, he is the only one with cars we can use for gas, food, etc....

I just hope I see some more positive action from the credit repair --- if they can dump 10 INQ in such a small amount of time, I am very hopeful, and I have researched the CRAP out of credit repair, believe me....Lol!

Thanks for the reply

Re: Overstock SCT approval -- but nothing else???

ojefferyo — Fri, 21 Nov 2014 23:50:22 GMT

@jsully87 wrote:
@Anonymous wrote:
Hello, You are not alone. My scores are similar to yours. I am so frustrated that I am unable to get the cards I truly want. I guess it's just a waiting game for me. By the way, thansk for mentioning Skyblue Credit Repair. I just called and signed up with them
Glad to help!

I've been on this site for a while - always reading, hardly responding. But I'm ready now!!

My scores are fickle - always up and down (but I know I carry balances EVERY month) that's why I am hoping to get a couple more, or one with at least $1000 so I can divy up the balances better.....it's hard between my DH cards, he is the only one with cars we can use for gas, food, etc....

I just hope I see some more positive action from the credit repair --- if they can dump 10 INQ in such a small amount of time, I am very hopeful, and I have researched the CRAP out of credit repair, believe me....Lol!

Thanks for the reply

You can have him add you as an authorized user

Re: Overstock SCT approval -- but nothing else???

Ford725 — Fri, 21 Nov 2014 23:52:41 GMT

Congrats! You're scores were lower than mine when I was approved for Overstock and I only got $250. If you have a pre approval for Cap1, take it NOW!! Then just garden like no tomorrow for 6 months. That's what I'm doing right now. Hang in there, you're doing fine!

Re: Overstock SCT approval -- but nothing else???

Anonymous — Sat, 22 Nov 2014 00:44:27 GMT

Low scores + 22 inquiries isn't a formula for an unsecured credit card. I'm surprised Cap1 has a pre-approval for you.

SCT cards normally don't popup until around 600

Count your blessing with VS and Overstock, 2 of the better Commenity store cards IMHO

As everybody says, gardening time!

Re: Overstock SCT approval -- but nothing else???

Anonymous — Sat, 22 Nov 2014 00:44:05 GMT

@jsully87 wrote:
Hey everyone -- I don't know if I have ever posted here, and if I have - it has been a LONG time. But a daily user of the forum.

Anyways --- so I am rebuilding... got a SCT pop up for overstock store card the other day, and approved at $500.
(the first one since VS months ago via SCT, and that card has gone from $250-$700 in just a few months, and now a "forever Angel"

Just wondering why I haven't gotten ANY other pop ups??
I have tried every way possible....just curious if my scores are low, why I got a pop up from Overstock and nothing else?? I really want an Amazon store card

I currently am AU on DH cards - and I have the one VS cc, and fingerhut cc for $850
~28K in Student loans, all current, one OLD 30 late from two years ago...
and one installment loan all current

I currently get a Cap1 pre-approval almost daily -- even tho I have 2 CO from them, and a repo/CO, which is paid

So here's a snap shot...

Scores in the mid 500's -- even tho lender pull (student loan refi) was EX 603 today

PrivacyGuard says Experian - 535, Equifax - 528, TransUnion - 509

Credit Karma - 607
Nov 20, 2014 You now have 1 hard credit inquiry on your report (10 removed).
Inquiries Activity

Credit Sesame - 629 (14 INQ listed- 5 from this year, 2 in last 6 mos.)
Current Debt / Balances /Monthly Min. Payments
Credit Cards $1,781 /    $125
Student Loans   $29,210 /$361
Total $30,991/        $486

Quizzle - 574

12 Open Accounts
15 Closed Accounts
12 Negative Accounts (lots of CC CO - a handful of collections, all YEARS old, disputed disputed disputed...etc...)
22 INQ - (i think some are soft pulls tho)

Currently with Skyblue Credit Repair -- since I signed up two weeks ago, somehow 10 INQ were removed from TU so says CreditKarma.

In TX...

ALSO -- my American Eagle card I got in 2006 - that EX hubby closed -- is about to fall off -- it is currently my oldest card, even tho closed -- any chance I can get them to reopen it??

Thank you all for all your wonderful knowledge and experience....I have been reading your posts for a few years now.

And thanks for ANY advice you can give

Thanks For Sharing.

Re: Overstock SCT approval -- but nothing else???

jsully87 — Sat, 22 Nov 2014 02:30:57 GMT

Thanks everyone gonna garden then I guess...may call cap1 and ask about all the preapprovals...but I may just wait til the OS card hits 6mos. And yeah - I'm AU on all DH cards thank you all for your comments and support!

Re: Overstock SCT approval -- but nothing else???

jsully87 — Sat, 13 Dec 2014 05:03:13 GMT

@Anonymous wrote:
Low scores + 22 inquiries isn't a formula for an unsecured credit card. I'm surprised Cap1 has a pre-approval for you.

SCT cards normally don't popup until around 600

Count your blessing with VS and Overstock, 2 of the better Commenity store cards IMHO

As everybody says, gardening time!

Just wanted to update ya'll. I know I was supposed to garden - and I don't know if anyone has seen any of my other posts...but here we go:

SCT Approved:

Overstock $250 to $500

J.Jill $250

J. Jill $500 -- popped up again two days after I accepted 1st SCT. Got my card today. No Luv but I'm okay with that

Marisota $350

Simply Be $350 Both of these I will probably never use, maybe for socks...

Signed up with NFCU - hard pulled, but got checking/savings/e-checking...now I can finally get away from fee-lover First NONconvienence bank

Apped for LOC and goRewards...LOC denied, CC still under review (FINGERS CROSSED!)

And as I have posted before, my EQ report is still showing blank. Lender pulled today (re-fi a loan) and they pulled blank EQ too...gonna see what happens after my cards report this month.

DH also received Overstock card today in the mail...I was confused because he got the pop-up but we closed it out....$2500 CL. Highest one we have now. I am excited for him, and for me once it reports AU on my reports. That will DEFINITELY help with our Util! And our Cap1 card will report tuesday with our paid down balance so I am hoping to see his scores jump. (Fingerscrossed)

So...all in all -- I will continue to try for the Venus card SCT, but other than maybe trying for DH to get a prime card (he has been pre-qualled thru Chase)...I'm done

I do hope that NFCU comes thru....I noticed they HP my reports again...so maybe being that I haven't gotten a denial yet, is a good thing. If I get a CC thru them I will probably cry and jump up and down and cry some more. LOL!

Thanks everyone for helping me, and giving advice along the way. I love this forum.

Re: Overstock SCT approval -- but nothing else???

Anonymous — Sat, 13 Dec 2014 09:20:13 GMT

Congratulations!

Re: Overstock SCT approval -- but nothing else???

SunriseEarth — Sat, 13 Dec 2014 10:50:45 GMT

Congrats on approval!

As for why you're not getting better offers, your profile just doesn't support it. Too many INQ and the COs are killing your score. The COs are not only a serious derog, but they're affecting your UTIL (if balances are reported) and are also likely updated monthly (which makes them look "recent"). I honestly think you'd be better taking the money spent on the 'credit repair' company and working on the COs.

Anyway, keep us posted on your progress! And consider posting in the "Rebuilding" section. Efforts to address your credit really aren't as time consuming as you may think.