topic Re: Denied for walmart =( in Credit Cards

Denied for walmart =(

Seatown1two — Tue, 10 Jan 2012 19:30:19 GMT

After checking my fico score and updated below (tu up from 639 4 months ago) decided to pull the trigger. Got the 7-10 day message. Called in and the representative flat out told me I was denied and that she would not be able to do a recon. I tried calling in two more times and the next two reps told me to wait for the letter. Anything else i might be able to do?

Re: Denied for walmart =(

JusdoNit — Tue, 10 Jan 2012 19:38:57 GMT

We feel your pain.

Re: Denied for walmart =(

RockinRay — Tue, 10 Jan 2012 19:42:09 GMT

@Seatown1two wrote:
After checking my fico score and updated below (tu up from 639 4 months ago) decided to pull the trigger. Got the 7-10 day message. Called in and the representative flat out told me I was denied and that she would not be able to do a recon. I tried calling in two more times and the next two reps told me to wait for the letter. Anything else i might be able to do?

Try going in to a store and doing the app there. I was always declined when I tried on the website. Went to a store - bang - instant approval.

If you choose to go to a store, make sure you have a CC with you, they will want to swipe it along with your DL..

Ray

Re: Denied for walmart =(

Anonymous — Tue, 10 Jan 2012 19:46:56 GMT

Walmart pulled EQ for me, not TU. Your EQ is 616?

Re: Denied for walmart =(

Anonymous — Tue, 10 Jan 2012 21:05:17 GMT

You were denied with a tu Fico of 694? Do you have any baddies on tu? What's you AAOA?

Re: Denied for walmart =(

lithium78 — Tue, 10 Jan 2012 21:26:05 GMT

I got approved for Walmart's retail card with much lower scores a few years ago. Are you on GMCRB's blacklist?

Re: Denied for walmart =(

LS2982 — Tue, 10 Jan 2012 21:26:07 GMT

@Seatown1two wrote:
After checking my fico score and updated below (tu up from 639 4 months ago) decided to pull the trigger. Got the 7-10 day message. Called in and the representative flat out told me I was denied and that she would not be able to do a recon. I tried calling in two more times and the next two reps told me to wait for the letter. Anything else i might be able to do?

Sorry to hear, can you share with us your TU file?

Re: Denied for walmart =(

CS800 — Tue, 10 Jan 2012 21:40:16 GMT

Sorry to hear that. WM is pretty tough to recon if you get denied. But your TU is good though. Were you given any reasons or you got the ' we will send you a latter to explain the denial' ?

Re: Denied for walmart =(

Seatown1two — Tue, 10 Jan 2012 21:45:12 GMT

I guess I'm going to recieve a letter in the mail explaining why I was denied. My AAoA is 6 years, 1 paid tax lien, 7 collections reporting, no late payments for over 4 years. Actually guess I'm not too surprised I was denied. Utilization was around 21% on report that was just checked. Might there be any other hope for me in obtaining new credit??

Re: Denied for walmart =(

CS800 — Tue, 10 Jan 2012 21:50:29 GMT

@Seatown1two wrote:
I guess I'm going to recieve a letter in the mail explaining why I was denied. My AAoA is 6 years, 1 paid tax lien, 7 collections reporting, no late payments for over 4 years. Actually guess I'm not too surprised I was denied. Utilization was around 21% on report that was just checked. Might there be any other hope for me in obtaining new credit??

Are your collections paid? REason why I asked is that the computer might deny it but recon could approve it but in this case they didn't. If you have another inq to use on TU, you can try for a barclay card.

Re: Denied for walmart =(

Anonymous — Tue, 10 Jan 2012 22:02:28 GMT

Its funny i just wanted the walmart card for the free tu fico lol.. i appplied for the discover have me the 7-10 day message i called in they asked me some questions told me i was approved for a 400 limit my lowest cl ever :/ i just got approved for a 7500 sallie mae card a few weeks back weird.. my highest cl is 15k and i have 19% ulti but i have like 11 inq on tu that must be it i really want a target card i notice they have better deals then walmart and 5% is nice but too lazy to go to the store maybe next time i go grocery shopping...

Re: Denied for walmart =(

Seatown1two — Tue, 10 Jan 2012 22:10:39 GMT

4 of the 7 collections are paid. Including this inq i have 3 on TU. Think barclays might approve me?

Re: Denied for walmart =(

Anonymous — Wed, 11 Jan 2012 01:04:00 GMT

Yes Barclays will approve you maybe not instantly but call for recon and I bet they approve with a decent cl depending on card wanted

Re: Denied for walmart =(

CS800 — Wed, 11 Jan 2012 01:08:33 GMT

@Seatown1two wrote:
4 of the 7 collections are paid. Including this inq i have 3 on TU. Think barclays might approve me?

I would say if Barlclay denies you , you have a good chance at Recon. But you said not all your collections are paid. Barclay did ask me for my collections on the recon i did.

Re: Denied for walmart =(

Seatown1two — Wed, 11 Jan 2012 01:32:16 GMT

Pulled the trigger on barclays rewards. Got a 7-10 day message. Went back on and checked the app status and was denied for the following reasons:

Low number of satisfactory accounts

Low available credit on existing credit card(s)

Insufficient income

I currently have 3 CC orchard $0/$420, bofa $0/$500, and cap1 $10/$300. I listed $35,000 as my annual income (actually is 40k including tips). Is there any hope for a recon?

Re: Denied for walmart =(

LS2982 — Wed, 11 Jan 2012 01:33:36 GMT

@Seatown1two wrote:
Pulled the trigger on barclays rewards. Got a 7-10 day message. Went back on and checked the app status and was denied for the following reasons:

Low number of satisfactory accounts
Low available credit on existing credit card(s)
Insufficient income

I currently have 3 CC orchard $0/$420, bofa $0/$500, and cap1 $10/$300. I listed $35,000 as my annual income (actually is 40k including tips). Is there any hope for a recon?

There's ALWAYS hope for a recon!!

Re: Denied for walmart =(

Anonymous — Wed, 11 Jan 2012 01:58:18 GMT

Yes there is and you can do it right now Barclays credit department is open till 12

Re: Denied for walmart =(

CS800 — Wed, 11 Jan 2012 02:06:29 GMT

@Seatown1two wrote:
Pulled the trigger on barclays rewards. Got a 7-10 day message. Went back on and checked the app status and was denied for the following reasons:

Low number of satisfactory accounts
Low available credit on existing credit card(s)
Insufficient income

I currently have 3 CC orchard $0/$420, bofa $0/$500, and cap1 $10/$300. I listed $35,000 as my annual income (actually is 40k including tips). Is there any hope for a recon?

The denial reasons are not that bad at all. I think you have a good shot at recon.Let us know. Good luck

Re: Denied for walmart =(

Seatown1two — Wed, 11 Jan 2012 17:58:35 GMT

Credit analyst reviewed my application denied me again based on not having enough re-established credit. Have had orchard since feb 11 and bofa and cap1 since 9/11...

Re: Denied for walmart =(

2NE1 — Wed, 11 Jan 2012 18:03:50 GMT

@Seatown1two wrote:
Credit analyst reviewed my application denied me again based on not having enough re-established credit. Have had orchard since feb 11 and bofa and cap1 since 9/11...

damn... I'm sorry to hear that, I want this store card (just for the free TU score) but my scores are even lower than yours, I'm sure that if I do a recon I'd prob get denied again too!