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Denied kohl’s with 750 fico!

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Established Member

Denied kohl’s with 750 fico!

Applied for kohl’s and denied me no reason at all. Called customer service they were absolutely rude! I have 2 inquiries with 225k yearly salary
EQ 699| EX720| TU740| Navy federal 25,000 | Dillard’s 600| Bob’s store 2,100|Macy’s 700| target 700| Amex delta gold 1000 |cap one silver & one 5000
officially gardening until 2021

Message 1 of 20
19 REPLIES 19
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Moderator

Re: Denied kohl’s with 750 fico!


@Patsbae wrote:
Applied for kohl’s and denied me no reason at all. Called customer service they were absolutely rude! I have 2 inquiries with 225k yearly salary

income isnt everything... your profile is what matters outweighs income by alot.  your signature indicates alot of low limit cards.  you new to credit or rebuilding or ?  Not near enough information to go off on your post

Message 2 of 20
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Valued Contributor

Re: Denied kohl’s with 750 fico!

Are the 2 inquiries just for 12 or is that 24 months?!    Is there anything else on your information that may hurt?










Message 3 of 20
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Established Contributor

Re: Denied kohl’s with 750 fico!

Have you been approved for or converted a capital one card in the last six months?
Message 4 of 20
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Established Member

Re: Denied kohl’s with 750 fico!

I need to update my signature for sure . Low limits were at my request. But have several high cards . Ult is at 5%
EQ 699| EX720| TU740| Navy federal 25,000 | Dillard’s 600| Bob’s store 2,100|Macy’s 700| target 700| Amex delta gold 1000 |cap one silver & one 5000
officially gardening until 2021

Message 5 of 20
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Regular Contributor

Re: Denied kohl’s with 750 fico!


@Patsbae wrote:
Applied for kohl’s and denied me no reason at all. Called customer service they were absolutely rude! I have 2 inquiries with 225k yearly salary

Just going through some of your recent posts it looks like you have 4-5 different inquiries in the past month or two. Maybe that has something to do with it? I'm not sure which bureaus were pulled but it could be a possibility. 

MASSIVE OVERHALL (22) MONTHS IN




Message 6 of 20
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Established Member

Re: Denied kohl’s with 750 fico!

Credit curiosity : I am not rebuilding or new to credit . 15 years of history on my profile . I am new to myfico and am still learning how to use this site lol. I will update my signature later today .. I had 150k in credit very low utl
EQ 699| EX720| TU740| Navy federal 25,000 | Dillard’s 600| Bob’s store 2,100|Macy’s 700| target 700| Amex delta gold 1000 |cap one silver & one 5000
officially gardening until 2021

Message 7 of 20
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Moderator

Re: Denied kohl’s with 750 fico!

What are your scores, how many inquiries/new accounts in the last 6-24 months was any CRA froozen or all unlocked, etc?  Thanks

Message 8 of 20
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Community Leader
Super Contributor

Re: Denied kohl’s with 750 fico!

Is there a story behind your AMEX Delta Gold card having a $1K CL?

 



(10/2020)
FICO 8 (EX) 810 (TU) 805 (EQ) 794
FICO 9 (EX) 835 (TU) 822 (EQ) 828

$1M+ club

Artist formerly known as ColdFusion
Message 9 of 20
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Community Leader
Mega Contributor

Re: Denied kohl’s with 750 fico!

Ive been denied with 760 plus, 810, fico 9s, it happens. Lenders can find one thing they dont like about your profile at time of app and deny you. As bad as a denisl is, Kohls maxes out at 3k , 4k tops for a few select so you might find solace in thatSmiley Wink
Message 10 of 20
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