Ashley Furniture credit score needed?

[Anonymous]

I am currently waiting for mortgage underwriting to complete, and need several new pieces of furniture. I went to Ashley's last night and found what I wanted, and the sales guy was offering their financing. The options were 12,36, and 60 month plans. With the amount of furniture I am in need of the 60 month would be the best, but I am not going to apply until all is complete with the mortgage. Does anyone know what scores you have to have to be approved for Ashley Furniture? The salesman said it was through Synchrony Bank. Any help is appreciated...

[Anonymous]

What are your scores? If you received a good rate for your mortgage I would imagine you would be fine for some furniture. 

[Shawndoe79]

I got approved with a 650 TU score

[Anonymous]

Shawndoe79, Do you mind saying for how much you were approved for? MyFico says my scores are 682, 675, and 672. My mortgage scores were 652, 649, and 649. So barely got the USDA loan, I guess I am worried about getting approved for all I need at Ashley.

[Anonymous]

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@Anonymous wrote:
Shawndoe79, Do you mind saying for how much you were approved for? MyFico says my scores are 682, 675, and 672. My mortgage scores were 652, 649, and 649. So barely got the USDA loan, I guess I am worried about getting approved for all I need at Ashley.

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I was approved a few months ago with a 680 TU.  They gave me a SL limit of $2k. I have asked for a cli twice and was denied both times.  They denied me a CLI with several other Syncrony cards. I have over 10 cards $45K with them so it could be my profile for now.  YMMV

[Anonymous]

Thank you. What do you think my chances are?

[_NERD]

Last June I was denied with a low 620's score. I had to apply for the 2nd tier subprime card from Genesis. I did get approved for the max 6k limit as my SL, but the one year interest free period blows.

I think Ashley is Synchrony. I did get approved last May for a SyncB Walmart store card with a 635 score, if that data point helps.

[Anonymous]

Thank you, it does!

[RonM21]

Did you apply?

[Shawndoe79]

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@Anonymous wrote:
Shawndoe79, Do you mind saying for how much you were approved for? MyFico says my scores are 682, 675, and 672. My mortgage scores were 652, 649, and 649. So barely got the USDA loan, I guess I am worried about getting approved for all I need at Ashley.

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Sorry for the late response, but they gave me 2500 SL