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The SP SCT Alive Again? DP Please.

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Established Member

Re: The SP SCT Alive Again? DP Please.

SP on VS with SCT. There's a joke in there somewhere. 😆. And to think little over a week ago this was all gibberish to me. FYI, I didnt app. Just wanted to say thanks to the community for contributing and helping us newbies understand and navigate the matrix.
Message 121 of 135
Contributor

Re: The SP SCT Alive Again? DP Please.

Wayfair SCT on 8/3. Hopefully not jinxing it but no HP yet. I think they usually look at Experian? and mine was 670.
Message 122 of 135
Senior Contributor

Re: The SP SCT Alive Again? DP Please.


@513credit wrote:

West Elm pulled Equifax.


Sorry about the HP. But congrats anyways. Thanks for the DP's.





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 123 of 135
Senior Contributor

Re: The SP SCT Alive Again? DP Please.


@Azrael-Luna wrote:
Wayfair SCT on 8/3. Hopefully not jinxing it but no HP yet. I think they usually look at Experian? and mine was 670.

Thanks for the DP's. And congrats!





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 124 of 135
Senior Contributor

Re: The SP SCT Alive Again? DP Please.

Updated Aug 14th
Overstock SP 7 1 new SP 8/11 HP 3 YMMV

Wayfair 3 HP 1  YMMV 1 New SP 8/12

Ikea SP 4 HP1 YMMV

Good Sam Rewards Visa 2 HP 2 YMMY New HP 8/7

Williams Sonoma SP 2 HP 4 YMMV New HP 8/7

Simply Bee SP 1
VS SP 3 1 new 8/14
Childrens Place SP 3
Venus SP 3
Ultamate MC SP 1

Brylane Home SP 1

NY&C SP 1

J Crew SP 1

Express SP 1 New 8/7

Sportsman Guide SP 1 New 8/7

Avenue SP 2 New 8/13

West Elm HP 1 New 8/10





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 125 of 135
New Member

Re: The SP SCT Alive Again? DP Please.

Hi Guys,
When I received the Avenue card my DPs were as follows:
Equifax 722
TransUnion 738
Experian 718
Overall utilization was 7%
I was approved for $750 credit limit, and it’s been about three weeks and no hard pull.
Message 126 of 135
Senior Contributor

Re: The SP SCT Alive Again? DP Please.


@png_mission wrote:
Hi Guys,
When I received the Avenue card my DPs were as follows:
Equifax 722
TransUnion 738
Experian 718
Overall utilization was 7%
I was approved for $750 credit limit, and it’s been about three weeks and no hard pull.

Welcome to the Forums! Thanks for adding your data points and most of all Congrats!!!!!!!!!!!!





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 127 of 135
Regular Contributor

Re: The SP SCT Alive Again? DP Please.

@ FireMedic1 this is listed on the credit card page for Overstock after you are approved :
You’ll Earn $30
Welcome Rewards**
when your spend over $300 on your first order without Special Financing**
Terms & Conditions
** Offer valid on purchase made using Overstock Store Credit Card made within 90 days of application and can be claimed only once. Minimum of $300 order amount is required. Offer is available only if you choose no financing at checkout with your Overstock Store Credit Card. The $30 Welcome Reward is given within 10 business days of orders and rewards expire 90 days from date of issue. Offer is limited and subject to end at anytime. Offer subject to final credit approval.

You have to click accept. Could accepting this be the reason for the hard pulls? I didn’t accept it. So far no hard pull. I was approved Saturday. I know it still may show up.

CARDS: Discover It | QuickSilver One | Open Sky | OverStock
Starting Scores 05/2019: EQ:519, EX:525, TU:574
Message 128 of 135
Senior Contributor

Re: The SP SCT Alive Again? DP Please.

I'm not too familar with how OS works. Maybe someone will see your post above and reply. Could be, maybe, no real DP's on might be a good question you just asked. Would be interesting. Usually you see fill cart, get pop up, apply, approved, then empty cart. It just might be why sometimes its a HP. Lets see who chimes in.





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 129 of 135
Frequent Contributor

Re: The SP SCT Alive Again? DP Please.

Another for VS.  Added items to my cart and when I created an account and went to select shipping method, the pop up came up (this was on my phone too as my work computer does not allow me to access VS website haha).  Only approved for $250, but have BK just recently discharged.  So far no HP and it only asked for my birthday and last 4 of social.

Message 130 of 135
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