topic Re: Walmart Question in Credit Cards

Walmart Question

Anonymous — Mon, 01 Jun 2015 19:49:44 GMT

Hey. I was wondering what are Walmart requirements.

According to MyFico, my scores are the following:

Eq: 609
Ex: 625
Tu: 611

I have 2 collections still on my report I'm working on and one was recently deleted.

Re: Walmart Question

Anonymous — Mon, 01 Jun 2015 19:59:10 GMT

How's your history AAOA..type of accounts... Baddies besides the collection and how long ago was the collection, is it reporting every month or has it been paid off, Walmart is sychromny so TransUnion. I would wait a bit say 640-650 Ish just to be on the safe side

Re: Walmart Question

Anonymous — Tue, 02 Jun 2015 11:37:02 GMT

2 CO that fall off next year. Both collections are reporting. I currently have a lawyer working on one right now (Midland) 😒 AA is 4 years and midland falls off 8/16 (hopefully I win this case and disappears sometime this year) the other one falls off in 2017. Guess it's best I wait.

Re: Walmart Question

Anonymous — Tue, 02 Jun 2015 13:33:27 GMT

@Anonymous wrote:
2 CO that fall off next year. Both collections are reporting. I currently have a lawyer working on one right now (Midland) 😒 AA is 4 years and midland falls off 8/16 (hopefully I win this case and disappears sometime this year) the other one falls off in 2017. Guess it's best I wait.

Yeah... You are better off waiting a bit..

Re: Walmart Question

Anonymous — Tue, 02 Jun 2015 14:11:32 GMT

I got appoved with a 610 score with 2 paid CO and quite a few lates from my student loans. It was a low 300 limit but hey its plastic.

Re: Walmart Question

Jerry45 — Tue, 02 Jun 2015 15:21:14 GMT

Right On. And that $300 CL will grow like a Politician's waist line, over time.

Re: Walmart Question

Anonymous — Tue, 02 Jun 2015 15:25:00 GMT

@Jerry45 wrote:
Right On. And that $300 CL will grow like a Politician's waist line, over time.

Oh Jerryyyyyyyy45,

Really laughable isn't it.... That comments takes the cake and thanks for making my day I just can't stop laughing...

Re: Walmart Question

Jerry45 — Tue, 02 Jun 2015 15:38:36 GMT

LOL. Thanks Yes

Re: Walmart Question

TRC_WA — Tue, 02 Jun 2015 15:48:45 GMT

@Jerry45 wrote:
Right On. And that $300 CL will grow like a Politician's waist line, over time.

Not for me it didn't....

I got a $600 Walmart card in fall of 2013 and was denied every CLI request I made. I did get a $100 and then $200 auto CLI at 6 and 9 months. Impressive I know... I ended up closing the card in December 2014.

TU has been my lowest score (650-660's with a peak of 671) since my Ch 13 discharge in May 2013. I don't really understand it either because all my reports are the same other than INQ's and TU actually has less INQ's than EQ which is in the 670's... EX is in the middle on the INQ chart but is my highest score in the 680's. I'm stuck waiting till early exclusion this fall for my TU score to finally reach 700+ respectability.

I've tried everything suggested here... 4 month luv button... chat requests for CLI... never got approved and I have a pretty respectable portfolio after 2 years of rebuilding. My new Sam's Club MC is the same thing... 3 months and was just denied a CLI.

At any rate, Synchrony either loves you or hates you. They love me enough to give me a $2500 Sam's Mastercard... then won't give me a CLI.

Re: Walmart Question

Jerry45 — Tue, 02 Jun 2015 20:57:46 GMT

@TRC_WA wrote:
@Jerry45 wrote:
Right On. And that $300 CL will grow like a Politician's waist line, over time.
Not for me it didn't....

I got a $600 Walmart card in fall of 2013 and was denied every CLI request I made. I did get a $100 and then $200 auto CLI at 6 and 9 months. Impressive I know... I ended up closing the card in December 2014.

TU has been my lowest score (650-660's with a peak of 671) since my Ch 13 discharge in May 2013. I don't really understand it either because all my reports are the same other than INQ's and TU actually has less INQ's than EQ which is in the 670's... EX is in the middle on the INQ chart but is my highest score in the 680's. I'm stuck waiting till early exclusion this fall for my TU score to finally reach 700+ respectability.

I've tried everything suggested here... 4 month luv button... chat requests for CLI... never got approved and I have a pretty respectable portfolio after 2 years of rebuilding. My new Sam's Club MC is the same thing... 3 months and was just denied a CLI.

At any rate, Synchrony either loves you or hates you. They love me enough to give me a $2500 Sam's Mastercard... then won't give me a CLI.

If Synchrony did not like your profile, why would they give you a Sam's Club Mastercard? That is not a easy card to get.

Re: Walmart Question

Jerry45 — Tue, 02 Jun 2015 20:58:39 GMT

My bad. I did not read your last sentence, which answers my own question.

Re: Walmart Question

SunriseEarth — Tue, 02 Jun 2015 23:44:19 GMT

I was approved for a $300 Walmart store card when my scores were ~615. So you can get in with them in the low 600s. It took 7 statements for my first CLI with Wally.

Re: Walmart Question

Anonymous — Wed, 03 Jun 2015 01:29:04 GMT

I have 3 collections and a couple charge offs and I was approved for 600 dollars.dollars . Score is 620

Re: Walmart Question

Anonymous — Wed, 03 Jun 2015 02:39:17 GMT

Well guys....

I bit the bullet and applied anyways!

I was approved

$400 limit and I requested a cli but I was denied.

I have 2 charge offs, 1 late payment ( by mistake), and 2 collections.

I am heading to the garden now!! Thanks for the advice everyone!!