Walmart -- Advice?

[jsully87]

So, I know I am supposed to be gardening for home purchase, but I know my credit file isn't as clean as DH -- and he will probably have to put the home in his name only -- doesn't bother me.

Anyways -- that being said -- I know I had been denied Amazon last month (Dec. 7) -- tried recon last night with no success -- I know they don't, but I still tried. I have had them before (I think?) It may have been exAU...I can't remember.

SO -- I tried Walmart - I have seen people starting out with small limits -- with similar scores.....

And got the 7-10 message with reference #.

Any chance I should call in case its not hard denial?

This is my last app...just in case I can get my reports clean in time for summer.

[TRC_WA]

Synchrony doesn't recon AFAIK.

Walmart was one of my original rebuild accounts in mid 2013... $600 SL and I got a $100 and $200 CLI over the course of a year... impressive right? 

I closed the account last month when I got Sallie Mae...

I hear all the time about the 4 month CLIs with Synchrony but it didn't happen to me... I guess my scores were too high.

[jsully87]

So do you think the 7-10 is instadenial? or as Synch calls it a "hard denial"?

When i called for Amazon, he said there was nothing he could do because it was a "hard denial".....almost thought I was getting recon for a minute when he put me on hold to "review my app"...

Just wondering if its worth the phone call or not, or if I should just wait for the letter....

[Anonymous]

It wouldn’t hurt to give them a call, all you know it could just be a verification issue. Someone’s personal opinion shouldn’t deter you, many have positive experiences some are negative. I’ve had my Walmart CC a year now; it went from 900 to 2000. I wish you the best of luck on your journey!

[Creditaddict]

If the reference number doesn't include a phone number to call it's an instant denial with sync.

[jsully87]

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@Creditaddict wrote:

If the reference number doesn't include a phone number to call it's an instant denial with sync.

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Bummer -- I can't remember if it listed a phone number or not, but I did make note of the ref. number.

I know it is probably a denial. I am sure I am on the GE blacklist from years ago....but I have no way of knowing.

I know my scores arent the best and I currently have a few baddies....I was just hoping I could get in...

Oh well. Guess I will wait to see what the letter says

[Anonymous]

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@jsully87 wrote:

So, I know I am supposed to be gardening for home purchase, but I know my credit file isn't as clean as DH -- and he will probably have to put the home in his name only -- doesn't bother me.

Anyways -- that being said -- I know I had been denied Amazon last month (Dec. 7) -- tried recon last night with no success -- I know they don't, but I still tried. I have had them before (I think?) It may have been exAU...I can't remember.

SO -- I tried Walmart - I have seen people starting out with small limits -- with similar scores.....

And got the 7-10 message with reference #.

Any chance I should call in case its not hard denial?

This is my last app...just in case I can get my reports clean in time for summer.

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Hang in there.. There is some love coming your way soon.  Sorry about the denial.

[TRC_WA]

IMHO you need to garden what you have. 

No apps for a minimum of 6 months... preferably a year.  It's not that difficult if you are motivated to improve your credit.  You have enough credit to rebuild your scores... so garden what you have and try again in 2016.

[jsully87]

That's the plan.

I just figured I would try and see. But I am done now.

I know there is nothing out there right now for me I can get my hands on -- so that is just more motivation for me to get to where I need to be so I CAN get approvals.

Hopefully having AU on DH accounts will help as well.

Here's to at least 6 months of reading -- and wishing! lol

[Anonymous]

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@jsully87 wrote:

That's the plan.

I just figured I would try and see. But I am done now.

I know there is nothing out there right now for me I can get my hands on -- so that is just more motivation for me to get to where I need to be so I CAN get approvals.

Hopefully having AU on DH accounts will help as well.

Here's to at least 6 months of reading -- and wishing! lol

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Thats a good plan.  It can be very depressing getting into all these snags.  But gardening is key in the credit game.  A time will come and you will laugh at all these rejections and even ask yourself, what was i thinking.  That time comes for everyone.  It just takes time.