Denied for both Sync and Comenity cards

[CJ7]

Head over to Credit Check Total for a trial $1 membership to see your 3 real scores.

Just be sure to cancel (telephone, automated) before the 9th day.

If I had to make a wild guess, they'll be in the low 600's.

[Anonymous]

637 is fico from transunion.

[CJ7]

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@Anonymous wrote:
...I have 2 baddies which should be getting deleted...

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This should give you a significant score boost.  I'd wait for those to come off before any more apping or CLI requests.

[Anonymous]

watching this  

[Anonymous]

That's too bad. My guess is too many inquiries and new accounts within the last couple months.

I also went on a recent app spree, but now I'm starting to get declined for things that should be easy to get. The decline reasons in my letters are short credit history, new accounts, and too many inquiries for credit.

Wait at least 6 months for those cards to age. Then you'll be surprised what you can be approved for.

[Anonymous]

Just got my Fico scores from CCT.  Transunion: 634 Exquafax: 620 and Experian: 618 credit UTL is between 15-17% depends on which one you look at.

[Anonymous]

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@Anonymous wrote:
I have 2 baddies which should be getting deleted thanks to me disputing it with collection agencies in which i got a letter from them. My scores are fako scores. All credit lines are new except for kohls 1.5 years ,mattress firm 1.5 yrs and sears 10 years which i forgot to mention also a secured cd 11 months. The rest were just opened recently. I also have one charge off that im waiting to reach sol.

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OK. Your Mattress Firm account - who is that thru, Progressive? That does not report if it is, since it isnt a credit account, it is a rent to own type scenario..

[MrsCHX]

You have to stop apping! your scores aren't very good -- not being mean, mine are about the same or lower. But for a lot of them you need to be at 640 and for some 680 even.

I app spreed in February with scores around 615. Got Target, Amazon, Walmart, VS, JCrew and then my two Capital One cards. Denied for DSW, Wayfair, Gap and Tires Plus.

The good thing is, you have cards that will give CLI in 4-6 months. So you have to just grow those. If you gave NO bank cards (on mobile can't go back and see right now), check the Cap One prequal as you can probably get Platinum or QS1

[Loquat]

Just take what you have and let them age a bit...

[Anonymous]

@BlkCivic my mattress firm account is with wells fargo