Nordstrom decline

[Anonymous]

Applied for Nordstrom today and was denied. Received 7-10 day message.
Experian- 676
No collections or other baddies
AAOA- 8 months(I think that’s what hurt me)

[FinStar]

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@Anonymous wrote:
Applied for Nordstrom today and was denied. Received 7-10 day message.
Experian- 676
No collections or other baddies
AAOA- 8 months(I think that’s what hurt me)

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Hi There. 

The short AAoA might be one of the key factors in the overall decision.  Do you have any other active accounts?  Is that score Vantage or your true FICO EX score?

[Anonymous]

True Fico. I think the problem is that all of the accounts I have are only 8 months old. I have a Milestone Mastercard, Williams and Sonoma, JJill, Wayfair

[FinStar]

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@Anonymous wrote:
True Fico. I think the problem is that all of the accounts I have are only 8 months old. I have a Milestone Mastercard, Williams and Sonoma, JJill, Wayfair

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That would make sense if your history is too short.  Wait for the letter which will provide the reasons on the things that can be improved so you can increase your chances for an approval down the road.

[silvius]

That is a pretty young account average.   Time will improve this, of course  

[Anonymous]

Yes very young. The penalty for only using cash for far too long

[Anonymous]

did You app at a check out counter in the store? I’ve heard that’s the best way to app at Nordstrom’s.

[Anonymous]

No , I did it online