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Approved for some...expected denial for others.

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Anonymous
Not applicable

Approved for some...expected denial for others.

Ok so a little update on my situation...Recently I did an app spree to get started on rebuilding my credit (last week). My scores were EQ 581 TU 581 and EX 600. I was approved for an NFCU credit card, Bloomingdales, Kohl's, and Capital One. I was denied for Chase (expected), Walmart and JCP (For some reason Synchrony hates me and I've never had a card with them).

 

I still have my $590 medical bill on my report which I'm going to pay off this week and I'll see what happens. It's been on my report for 5 months. The only score that has changed this past week was Experian (a payment for a bank loan) and it went up 18 points so its now at 618. I'm excited about that. I don't know when the others will update because it reports on all so hopefully it will make a difference on those as well.

 

Also, can anyone explain to me how to put my scores in my signature? Thank you!

 

Edit: Oh...I was denied for Discover and Amazon as well. (Like I said, Synchrony hates me but I didn't do my research in the beginning and didn't know much until I got here so had no idea they were all the same bank and that it factored into me getting approved. Hard pull inquiries wasted!

Message 1 of 12
11 REPLIES 11
Anonymous
Not applicable

Re: Approved for some...expected denial for others.

Oh...I was denied for Amazon as well. (Like I said, Synchrony hates me but I didn't do my research in the beginning and didn't know much until I got here so had no idea they were all the same bank and that it factored into me getting approved. Hard pull inquiries wasted!

Message 2 of 12
revjamesl
Valued Contributor

Re: Approved for some...expected denial for others.

Congrats on the approvals. Good luck with everything else.

AMEX Platinum NPSL | Discover It $45.9k | Chase Sapphire Reserved $40.7k |Barclay Arrival+ WEMC $40k | PENFED Platinum Rewards VS $35k | Lowes $35k | BoA Better Balance Rewards $30k | AMEX EDP $25k | Cap 1 QS $23.25k | NASA Platinum $20k | Chase Freedom $15k | Synchrony Haverty's $16.5k | BBVA NBA Rockets AMEX $15k | FNBO AMEX $15k | Citi Diamond Preferred $10.7k | Best Buy $10k | Synchrony Rooms-to-Go $10k | US Bank Cash+ $7.5k | AMEX BCE $6k | Barclay Financing Visa 1k | |

AU on DW Accounts: Discover It $40k I AMEX BCE $30k | Chase Marriot $29.8k |

Credit Scores: 800 EQ/833 TU/831 EX
Message 3 of 12
Anonymous
Not applicable

Re: Approved for some...expected denial for others.


@Anonymous wrote:

Ok so a little update on my situation...Recently I did an app spree to get started on rebuilding my credit (last week). My scores were EQ 581 TU 581 and EX 600. I was approved for an NFCU credit card, Bloomingdales, Kohl's, and Capital One. I was denied for Chase (expected), Walmart and JCP (For some reason Synchrony hates me and I've never had a card with them).

 

I still have my $590 medical bill on my report which I'm going to pay off this week and I'll see what happens. It's been on my report for 5 months. The only score that has changed this past week was Experian (a payment for a bank loan) and it went up 18 points so its now at 618. I'm excited about that. I don't know when the others will update because it reports on all so hopefully it will make a difference on those as well.

 

Also, can anyone explain to me how to put my scores in my signature? Thank you!

 

Edit: Oh...I was denied for Discover and Amazon as well. (Like I said, Synchrony hates me but I didn't do my research in the beginning and didn't know much until I got here so had no idea they were all the same bank and that it factored into me getting approved. Hard pull inquiries wasted!


Big congrats on your success!  I can relate to Synchrony!  Have Sam's Club M/C & Amazon but only 1 auto cli.  Not very friendly.  But then there's Comenity!  I hit their buttons every week to see what I can get.  Smiley Wink  I think you're getting close to Chase.  

Message 4 of 12
Anonymous
Not applicable

Re: Approved for some...expected denial for others.

Thank you!

Message 5 of 12
Anonymous
Not applicable

Re: Approved for some...expected denial for others.

Congrats on re-building...Synchrony is so bizarre, give it some more time and I agree on Chase, give it 6 months or so and try again.

Message 6 of 12
Anonymous
Not applicable

Re: Approved for some...expected denial for others.


@Anonymous wrote:

Congrats on re-building...Synchrony is so bizarre, give it some more time and I agree on Chase, give it 6 months or so and try again.


What does Chase normally look for in scores/profile?

Message 7 of 12
Anonymous
Not applicable

Re: Approved for some...expected denial for others.


@Anonymous wrote:

Ok so a little update on my situation...Recently I did an app spree to get started on rebuilding my credit (last week). My scores were EQ 581 TU 581 and EX 600. I was approved for an NFCU credit card, Bloomingdales, Kohl's, and Capital One. I was denied for Chase (expected), Walmart and JCP (For some reason Synchrony hates me and I've never had a card with them).

 

I still have my $590 medical bill on my report which I'm going to pay off this week and I'll see what happens. It's been on my report for 5 months. The only score that has changed this past week was Experian (a payment for a bank loan) and it went up 18 points so its now at 618. I'm excited about that. I don't know when the others will update because it reports on all so hopefully it will make a difference on those as well.

 

Also, can anyone explain to me how to put my scores in my signature? Thank you!

 

Edit: Oh...I was denied for Discover and Amazon as well. (Like I said, Synchrony hates me but I didn't do my research in the beginning and didn't know much until I got here so had no idea they were all the same bank and that it factored into me getting approved. Hard pull inquiries wasted!


Congrats!

Message 8 of 12
Anonymous
Not applicable

Re: Approved for some...expected denial for others.

Congrats!! 

Message 9 of 12
Anonymous
Not applicable

Re: Approved for some...expected denial for others.

Congrats on your successes!

Message 10 of 12
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