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The SP SCT Alive Again? DP Please.

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Regular Contributor

Re: The SP SCT Alive Again? DP Please.


@Guyatthebeach wrote:

Well I decided to try it. I was approved for $1000 for William Sonoma. I didn't think it would be HP, but it was I just got the notification from Equifax, 12 HP inquiries last 2 years(double pull from Amex for Amazon Business Prime account). Equifax FICO 735. I also had a chapter 7 bakruptcy discharged in 2012.

 

Guyatthebeach

 

 


Was the Amex Business Prime your first Amex card?



Message 11 of 137
Valued Contributor

Re: The SP SCT Alive Again? DP Please.

Liqwidzero,

Was the store card or MC/Visa version?

Guyatthebeach
Message 12 of 137
Highlighted
Valued Contributor

Re: The SP SCT Alive Again? DP Please.

No it was my third AmEx post bankruptcy. I have a BCE and a Cash Magnet card as well.

Guyatthebeach
Message 13 of 137
Regular Contributor

Re: The SP SCT Alive Again? DP Please.


@Guyatthebeach wrote:
No it was my third AmEx post bankruptcy. I have a BCE and a Cash Magnet card as well.

Guyatthebeach

OK, so I guess they aren't consistent either. I got my Amazon Prime Biz with a soft pull.



Message 14 of 137
Valued Member

Re: The SP SCT Alive Again? DP Please.

I only went for the store card (Projekt). It just made more sense for my needs.

Gardening Starting 7/17/2019
Starting Scores: Equifax 527 Experian 555 Transunion 546
Current Scores: Equifax 645 (FICO 8, July 2, 19) Experian 657 (FICO 8 - July 4, 19) Transunion 631 (FICO 8 - June 6, 19)

Message 15 of 137
New Member

Re: The SP SCT Alive Again? DP Please.

I was approved for Williams Sonoma with a pop up while shopping online. $750 limit, no HP, this was about 2-3 weeks ago. Recived card & still no HP.

I was a little nervous since my last comenity card (Wayfair July 2018) was a HP, which surprised me since all of my other comenity cards were SP

My score is 625 on Experian, 620 on Transunion & 616 on Equifax.

The past few weeks i went on a few sites that have comenity cards & recieved pop ups at Pier1, JCrew & Ulta but didnt accept any.

 

Message 16 of 137
Valued Contributor

Re: The SP SCT Alive Again? DP Please.


@FireMedic1 

Overstock SP 4 HP 1 YMMV
Ikea SP 4 HP1 YMMV
Simply Bee 1
Williams Sonoma SP 1 HP 1 YMMV
Wayfair 2
VS 1
Childrens Place 1
Venus 2
Ultamate MC 1

SP- I just got the pop-up "Good Sam Rewards Visa " card.  It asked for my last 4 ss# twice.  Checked cb's, nothing yet Smiley Very Happy

DP's:

Scores Mid 700's

3rd cards with Comenity in 6 months (1 mastercard-2.5k UltamateMC /1 Visa-Good Sam-5k temp sl/ 1 Hsn Store- 6k)

Come on Comenity; SCT rocks! (ymmv)

Starting Score: 579
Current Score: 744, 738, 711
Goal Score: 850 x 3


Take the myFICO Fitness Challenge

Rebuild Oct. 2018
"My Take Home Pay Don't Take Me Home"

Synovus Tloc 75k/Savor 5.5k/Venture-3.5kAU/DiscoCB 5.5k/DiscoChrome 2k/Sportsman's Guide Visa 3k-AU/GoodSam's Visa 5k/Lowe's Pro 2.5k & Lowe's Advantage 30k-AU/Home Depot 10k-AU/Spark 2k-AU/Staples 1k/ Amazon Net 55 7.9k
Message 17 of 137
Senior Contributor

Re: The SP SCT Alive Again? DP Please.

The first week is in and drum roll please.........

Overstock SP 4 HP 1 YMMV
Ikea SP 4 HP1 YMMV
Simply Bee 1
Williams Sonoma SP 2 HP 1 YMMV
Wayfair 2
VS 1
Childrens Place 1
Venus 2
Ultamate MC 1

Good Sam Rewards Visa 1

Who knows. The HP's may have chased a lot of apps away compared to the old days. Still early to tell. Random HP's mostly SP's. Keep the stats coming in folks.





My posts are JMHO. I DO NOT claim to be a FICO expert. Just sharing my experiences from rebuild to recovery after BK DC. My siggy is not to brag at all. Just to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 18 of 137
Established Member

Re: The SP SCT Alive Again? DP Please.


@FireMedic1 wrote:

The first week is in and drum roll please.........

Overstock SP 4 HP 1 YMMV
Ikea SP 4 HP1 YMMV
Simply Bee 1
Williams Sonoma SP 2 HP 1 YMMV
Wayfair 2
VS 1
Childrens Place 1
Venus 2
Ultamate MC 1

Good Sam Rewards Visa 1

Who knows. The HP's may have chased a lot of apps away compared to the old days. Still early to tell. Random HP's mostly SP's. Keep the stats coming in folks.


I recently applied for a couple comenity cards,

 

Express Next, SP $250 

Overstock, was pre approved thogh, HP $250

 

Message 19 of 137
Regular Contributor

Re: The SP SCT Alive Again? DP Please.

I was approved for Sportsman Guide Visa about three weeks ago and it appears to have been a SP approval!  Still no HP!

Message 20 of 137
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