topic Re: Much needed advice in Credit Card Applications

Much needed advice

Anonymous — Wed, 21 Oct 2015 16:24:15 GMT

hi all

A relative of mines recently applied for a walmart card. Recieved a denial letter, and in the letter was showing her transunion credit score at 423. We decided to check her report and score and we are getting a score of 600. Seems like a to much of a big difference I think, and she just got approved for a quicksilver one and cap one platinum. Looking for some advice on what to do at this point.Thank You.

Re: Much needed advice

ddemari — Wed, 21 Oct 2015 17:49:01 GMT

are you sure the score from walmart is not their internal credit score? it has a goofy low max range.

Re: Much needed advice

Pway — Wed, 21 Oct 2015 17:53:15 GMT

That is an internal score. When I was denied by walmart I checked my scores and they were way higher than what Walmart had said.

Re: Much needed advice

Anonymous — Wed, 21 Oct 2015 18:10:03 GMT

It may be but in the denial letter it says transunion. Very wierd.

Re: Much needed advice

OmarGB9 — Thu, 22 Oct 2015 15:21:20 GMT

Lenders sometimes use the *contents* of a specific report, but they don't necessarily use the *score* from said CB.

Re: Much needed advice

CYBERSAM — Thu, 22 Oct 2015 19:52:22 GMT

@Anonymous wrote:
It may be but in the denial letter it says transunion. Very wierd.

They have used "transunion" CR to generate a score, that dose not mean they used transunion for FICO Score.

Credit Karma uses transunion CR to generate a score also but it is far from FICO Score.

Re: Much needed advice

Anonymous — Thu, 22 Oct 2015 19:55:57 GMT

ok, the difference in scores is crazy