topic Re: Torrid Credit Card Requirements in Credit Cards

Torrid Credit Card Requirements

Anonymous — Thu, 06 Aug 2015 19:23:18 GMT

Is there anyone out there that may know which CRA Torrid pulls. I did call Torrid CS, and spoke with a rep but they did not know which one of the CB they pull from. I am really trying to obtain more credit in rebuilding and don't want them pull my credit if it does not meet their min. requirements. Also, if anyone out there have a card that is building as I am what is the lowest score will they accept? Anyone?????

Re: Torrid Credit Card Requirements

Anonymous — Thu, 06 Aug 2015 19:44:25 GMT

OP, I can't see if you have info in your sig, but post your scores, aaoa, util, and any baddies. It will help us try to find a good fit for you.

Re: Torrid Credit Card Requirements

Anonymous — Thu, 06 Aug 2015 19:46:51 GMT

Best way to not get credit pulls is to not apply.

Re: Torrid Credit Card Requirements

Anonymous — Thu, 06 Aug 2015 20:13:22 GMT

If you shop regularly at torrid, they will pre-approve you for the card, whenever I go into the store they keep telling me I'm pre-approved for their credit card, I'm kinda tempted to apply but torrid platinum membership gives similar benefits (minus two 30% discounts per year), so unless you're really desperate for that 15% sign up discount, don't even bother with the card.

Re: Torrid Credit Card Requirements

Anonymous — Thu, 06 Aug 2015 20:15:43 GMT

Sorry about that, here are my stats:

Credit scores with the CRA's TU-639. EX-598, EQ-575

MyFICO as of 4 Aug EQ-574, Trans-554, Exp-598

Re: Torrid Credit Card Requirements

Anonymous — Thu, 06 Aug 2015 20:17:54 GMT

@Anonymous wrote:
Sorry about that, here are my stats:
Credit scores with the CRA's TU-639. EX-598, EQ-575

MyFICO as of 4 Aug EQ-574, Trans-554, Exp-598

Comenity is known for pulling EQ. You might squeak by with a $150 limit. Do you want the card because it will actually be useful to you other than adding yet another tradeline?

Re: Torrid Credit Card Requirements

Anonymous — Thu, 06 Aug 2015 20:20:16 GMT

RedMiniStapler, It's not that I'm that desperate but I do need to aquire some cards. I only have 2 now under my belt and I know I need more. I think the next time I go into the store I will apply bc many reviews have mentioned they were denied online, but when they applied instore they were approved. Go figure!

Re: Torrid Credit Card Requirements

Anonymous — Thu, 06 Aug 2015 20:21:23 GMT

Actually both reasons

Re: Torrid Credit Card Requirements

Anonymous — Thu, 06 Aug 2015 20:23:42 GMT

Might I suggest a SDFCU Secured card instead of store cards? No credit pull.

Re: Torrid Credit Card Requirements

Anonymous — Thu, 06 Aug 2015 20:28:08 GMT

You'd be better off with companies/banks pulling TU as your TU score is higher. Search the MyFico forum for "Banks that pull Transunion" for threads.

Re: Torrid Credit Card Requirements

Anonymous — Thu, 06 Aug 2015 23:30:59 GMT

@Anonymous wrote:
Best way to not get credit pulls is to not apply.

Maybe if I were in your shoes and had credit cards with established credit, then I would not, but I am not in the best position right now and especially with me trying to get my scores at the minimum for a VA home loan. So I will have to pass on your suggestion. At least for right now! Thanks anyway

Re: Torrid Credit Card Requirements

Anonymous — Thu, 06 Aug 2015 23:32:09 GMT

@Anonymous wrote:
If you shop regularly at torrid, they will pre-approve you for the card, whenever I go into the store they keep telling me I'm pre-approved for their credit card, I'm kinda tempted to apply but torrid platinum membership gives similar benefits (minus two 30% discounts per year), so unless you're really desperate for that 15% sign up discount, don't even bother with the card.

Something to think about! Thanks

Re: Torrid Credit Card Requirements

Anonymous — Thu, 06 Aug 2015 23:33:22 GMT

@Anonymous wrote:
@Anonymous wrote:
Sorry about that, here are my stats:
Credit scores with the CRA's TU-639. EX-598, EQ-575

MyFICO as of 4 Aug EQ-574, Trans-554, Exp-598
Comenity is known for pulling EQ. You might squeak by with a $150 limit. Do you want the card because it will actually be useful to you other than adding yet another tradeline?

Actually with me only having 2 tradelines, it would be very beneficial to me. Yes

Re: Torrid Credit Card Requirements

Anonymous — Thu, 06 Aug 2015 23:34:45 GMT

@Anonymous wrote:
Might I suggest a SDFCU Secured card instead of store cards? No credit pull.

SDFCU, is it a credit union? If so can I apply online? What is there minimum pls

Re: Torrid Credit Card Requirements

Anonymous — Thu, 06 Aug 2015 23:36:44 GMT

Yes online. It is a EQ soft pull from my reading on it.

Re: Torrid Credit Card Requirements

Anonymous — Thu, 06 Aug 2015 23:43:02 GMT

@Anonymous wrote:
Yes online. It is a EQ soft pull from my reading on it.

What does the SD stand for?

Re: Torrid Credit Card Requirements

Anonymous — Thu, 06 Aug 2015 23:50:47 GMT

State Department.

Re: Torrid Credit Card Requirements

Anonymous — Thu, 06 Aug 2015 23:52:05 GMT

@Anonymous wrote:
State Department.

thank u

Re: Torrid Credit Card Requirements

Anonymous — Fri, 07 Aug 2015 00:55:53 GMT

What tradelines do you have already?

With your scores, I suspect that you have some baddies on your record. You should head over to the Rebuilding Credit forum. They're excellent at helping people address the issues on their reports.

In terms of building tradelines, I would start with 3 non-store cards, if possible. See if you can get a Discover, CapOne, or BoA secured card. I would stay away from Credit One and First Prime, as they charge for too many things and have no grace period.

After you have a 3 tradelines, I would look up the shopping cart trick and go to town. The goal isn't to use any of them more than a token amount, but to set up your report so that in 2 years, when your inqs fall off an your baddies are addressed, you'll have a really solid credit report with a ton of lines. The other benefit is that with a ton of tradelines, the impact of a new tradeline on your AAoA is much smaller than if you only had 2-3 tradelines.

However, if you do go down that road, you have to be careful to not put more than token amounts on the cards once per year. I'm guessing that one of your derogs is a BK, and I don't want you to go down that path again.

Re: Torrid Credit Card Requirements

Anonymous — Fri, 07 Aug 2015 01:02:25 GMT

@Anonymous wrote:
In terms of building tradelines, I would start with 3 non-store cards, if possible. See if you can get a Discover, CapOne, or BoA secured card. I would stay away from Credit One and First Prime, as they charge for too many things and have no grace period.

After you have a 3 tradelines, I would look up the shopping cart trick and go to town.

I think I just witnessed both the best and worst advice ever given on this forum. Green is best, Red is worst.