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The SP SCT Alive Again? DP Please.

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
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 75
Valued Contributor

Re: The SP SCT Alive Again? DP Please.

Liqwidzero,

Was the store card or MC/Visa version?

Guyatthebeach
Message 12 of 75
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 75
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 75
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.

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 75
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 75
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)

Rebuild Oct. 2018: Scores High 500's
Current Scores: Mid 700's
"My Take Home Pay Don't Take Me Home"

|Synovus LOC 75k| Cap1 Venture (AU)| Cap1 Savor| Disco-It| Disco Chrome(AU)| Lowes (AU)| Home Depot(AU)| UltamateMC| Good Sam VS|
Message 17 of 75
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.
Message 18 of 75
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 75
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 75