topic Walmart approval. Experian hard pull. in Credit Card Approvals

Walmart approval. Experian hard pull.

Anonymous — Sat, 29 Sep 2018 14:59:09 GMT

Before I applied, of course I came here and did my research. Everywhere I read stated that Walmart was a TU pull, then I remember something. I had done a Walmart app a few months back and they only pulled EX. So I went against what I had read and went with my gut. $500 approval, Walmart store card, 659 EX FICO score, 1 charged off account ($859, 5 years, 9 months ago) 1 new auto (1 month old), 1 student loan (8 years old, never late), one credit builder loan (positive, 4 months old), 1 Discover It unsecured (positive,2 months old), and 1 closed capital one secured card ( closed, positive, 5 months old). Hope this info helps someone else on the way up and of course I want to thank the good members of myfico. Without your guidance it wouldnt be possible. I feel like I should use my Walmart card to cook you all a meal or something. 😂🤣😃

Re: Walmart approval. Experian hard pull.

JoeLuvsHisCredit — Sat, 29 Sep 2018 15:20:34 GMT

Re: Walmart approval. Experian hard pull.

Cred4All — Sat, 29 Sep 2018 15:40:03 GMT

Congrats on the approval!

Re: Walmart approval. Experian hard pull.

JimBo99 — Sat, 29 Sep 2018 16:02:28 GMT

Congrats! Sync tends to pull Experian if you apply in store, in my experience and TU if you apply for anything online. As always with apping, there are many variables and your experience may vary from others. But, you got it now, thats all that matters :-) Treat it well and Sync will reward you with substantial CLIs in the future.

Re: Walmart approval. Experian hard pull.

AverageJoesCredit — Sat, 29 Sep 2018 16:22:08 GMT

You go Girl😀 we are ALWAYS hungry in the Garden club, come FEED us🥓🥓

Re: Walmart approval. Experian hard pull.

Anonymous — Sat, 29 Sep 2018 16:22:08 GMT

My app was online and it only pulled EX. I live in Texas.

Re: Walmart approval. Experian hard pull.

AverageJoesCredit — Sat, 29 Sep 2018 16:33:26 GMT

Good data point. Shows people Sync does use other bureaus

Re: Walmart approval. Experian hard pull.

Anonymous — Sat, 29 Sep 2018 16:56:31 GMT

What confused me though is after approval I tried 2 more SYNC bank places, Old Navy and Amazon, and was declined. I though that since my report was recently on file with them I would for sure get approved. To my surprise 2 declines an 2 more hard pulls only on Experian. I will dispute the additional 2 next week. Seems like they shouldn't have had to pull I again. That puts me at 7 inquires. That's still good right if I don't dispute?

Re: Walmart approval. Experian hard pull.

AverageJoesCredit — Sat, 29 Sep 2018 16:50:36 GMT

Unfortunately, you cant dispute 2 valid credit card applicatiins as you did apply. Must remember even though the cards are backed by same bank, Synchrony, they all have different underwriting and are separate accounts. One approval doesnt correlate to others being approved. Chalk it up to lessons learned. Lol ive taken like 4 or 5 straight hps recently and gotten nothing . Thus my new credit philosophy 0/24.

Re: Walmart approval. Experian hard pull.

Anonymous — Sat, 29 Sep 2018 17:03:44 GMT

I hate having to do hard inquires on my EX being that it is my highest score and I depend on it for approvals. I hate being limited to applying only at places that only check EX but....of you saw my EQ and TU inquiries you would pray for me. Over 60 between the 2 of them and only about 12 of those resulted in accounts opened. That was before I found you guys on myfico though...my new family.

Re: Walmart approval. Experian hard pull.

aircobra — Sat, 29 Sep 2018 17:36:44 GMT

@Anonymous wrote:
I hate having to do hard inquires on my EX being that it is my highest score and I depend on it for approvals. I hate being limited to applying only at places that only check EX but....of you saw my EQ and TU inquiries you would pray for me. Over 60 between the 2 of them and only about 12 of those resulted in accounts opened. That was before I found you guys on myfico though...my new family.

You should consider gardening for the next 6-12 months then. It is never a good idea to rely on one credit report to apply for cards. Let the inquiries age and your scores should even themselves out.

Re: Walmart approval. Experian hard pull.

Meanmchine — Sun, 30 Sep 2018 02:07:02 GMT

Synchrony will pull EX most of the time for their Synchrony Financial cards. They will pull EX for their bankcard apps some of the time. I will admit this is the first time Ive seen Wally card go EX

Congrats

Re: Walmart approval. Experian hard pull.

AverageJoesCredit — Sun, 30 Sep 2018 02:29:59 GMT

Good advice AirCobra on the gardening. I know its hard but the only way to lesson the effects of all those inqs will be time. Stick with us in the garden and you'll see the results . We have a member, Jago22 who had 88 inqs and he is fast becoming a Garden legend, not to mention an Amex Guru junior behind our beloved K-in-Boston on

Re: Walmart approval. Experian hard pull.

Anonymous — Sun, 30 Sep 2018 02:44:19 GMT

I am definitely going to try AverageJoes but once you get that long awaited approval you just want to keep going. I am officially gardening...wish me luck!!! (You guys may have to talk me off the ledge a few times so keep an eye out).

Re: Walmart approval. Experian hard pull.

Anonymous — Sun, 30 Sep 2018 05:18:41 GMT

Congrats on your Walmart card approval!

Re: Walmart approval. Experian hard pull.

Anonymous — Sun, 30 Sep 2018 15:44:01 GMT

How would being added as an authorized user affect my credit. I added my 3 daughters as AUs when I got my Discover card. One of my daughter's just prequalified for the student chrome (pending submission/verification of her ID and SS) and wants to repay the favor by adding me. Yay or nay? Btw...her credit file was literally empty. No inquiries and no accounts except for my Discover. Any recommendations for cards for her to build her credit. I rather teach her young and help her avoid my mistakes.