Walmart Credit Card - Why!?

[ls2016]

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@Anonymous wrote:

Some information used to make this decision was obtained from the credit reporting agency (agencies) listed below. This credit-reporting agency (agencies) did not make this credit decision and is unable to provide you with the specific reason(s) for our action. If you want a copy of your credit report, or if you think that there is an error in your credit report, please contact the consumer reporting agency.

T.U. CONSUMER RELATIONS 2 BALDWIN PLACE, PO BOX 1000 CHESTER, PA 19022 800-888-4213

Your Credit Score: 411



^^^^^^ WHAT?!?!?!?!? 
How the heck...**bleep** credit score are they looking at? I'm flippin out

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Have you phoned the 800 # attached to the letter to inquire and/or request a copy of your report? I most definitely would.

[My_Fako]

I got Wally World with a TU 602. 

Best of luck. 

[Anonymous]

I finally got mine when i was in the 660 range and then got at CLI at 680 and another at 690. Those were my TU scores. 

[Isacking97]

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@Anonymous wrote:

I don't get how all of you guys are getting approved which marginal scores and a bunch of baddies on your accounts. 
I have tried..for 3 years in a row now to get a Walmart Mastercard/Store Card. 


Just tried again today got this message:
"We appreciate your interest in Walmart Credit Card - it will
take 7-10 days to get back to you." 


..What the french toast... 

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My mother was approved with a EX 632 and I think a TU of 667 but she was paying very well for about 2 years before applying (Never had a BK)

Approved for the store card (Not MC)

[kidink1911]

Synchrony Bank, the issuer of the Walmart MC/Walmart store card, uses several criteria when approving accounts:

1) AAOA

2) Income level

3) Any other cards that have been issued by Synchrony

4) Number of inquiries on TU CR

Hope this helps! 

CSP- $8,000 *** Cap One QS- $3,550 *** Barclay JetBlue MC- $3,000 ***  Synchrony Walmart MC- $2, 400 *** BOA Travel Rewards- $2,000

Barclay Apple Rewards- $2,000 *** BP Gas- $600 *** CF- $500 *** Credit One- $450 *** Milestone- $300

[MyLoFICO]

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@Anonymous wrote:

Some information used to make this decision was obtained from the credit reporting agency (agencies) listed below. This credit-reporting agency (agencies) did not make this credit decision and is unable to provide you with the specific reason(s) for our action. If you want a copy of your credit report, or if you think that there is an error in your credit report, please contact the consumer reporting agency.

T.U. CONSUMER RELATIONS 2 BALDWIN PLACE, PO BOX 1000 CHESTER, PA 19022 800-888-4213

Your Credit Score: 411



^^^^^^ WHAT?!?!?!?!? 
How the heck...**bleep** credit score are they looking at? I'm flippin out

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How are you getting your FICO scores? Sounds like something really bad is on there or one of you pulled the wrong score. Do you have a thread on here that tells your credit story of all the good and bad you have had?

[Anonymous]

I would assume that you are getting your scores from myfico. If this is the case, why the big difference between what you have in your signature and what Syc pulled for your Walmart app. Looks like a serious discrepency. I would verify by checking your reports to see if something new reported. Good Luck!!

[Anonymous]

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@Anonymous wrote:

I would assume that you are getting your scores from myfico. If this is the case, why the big difference between what you have in your signature and what Syc pulled for your Walmart app. Looks like a serious discrepency. I would verify by checking your reports to see if something new reported. Good Luck!!

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Yes I'm getting my scores from MyFico...
So what do I do now? Request my credit report from Sync? 

i'm flipping out..I've worked my butt off to raise my score  

[Anonymous]

I would definately get in touch with Sync and attempt to inquire as to why there is such a discepency with the scores. I would request to talk to someone in management in order to bypass all of the script talk (if you know what I mean). I am not an expert whatsoever but my main purpose would no longer be the approval (which may come anyway if this gets staightened out) but where did they get that score. Purchase a copy of your report and have it available to mail or fax if necessary. This is just my course of stratagy, maybe someone else more versed could offer you even better direction.

[Anonymous]

Also...maybe there is some kind of internal scoring system they use..not quite sure. Wish I could offer more...