Walmart and Amazon Denials For CLI

[taxi818]

Credit Solutions 877-379-8173 for best results back door number. for either account

[CostantinoA]

I just called, asked for 1500 (current limit is 400) and then declined me and said I would get a letter in the mail in 7-10 days!  Funny, they decline me but on 08-05-15, I was approved for 35k auto loan and then on 08-12-15, appoved for second auto loan for 20k.  I know these are secured loans but banks gave me 55k in auto loans but walmart woun't give me a few hundred!

[CostantinoA]

I called another number the guy posted 800-480-0205.  What is the difference in numbers?

[taxi818]

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@CostantinoA wrote:

I just called, asked for 1500 (current limit is 400) and then declined me and said I would get a letter in the mail in 7-10 days!  Funny, they decline me but on 08-05-15, I was approved for 35k auto loan and then on 08-12-15, appoved for second auto loan for 20k.  I know these are secured loans but banks gave me 55k in auto loans but walmart woun't give me a few hundred!

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They can always repo the car. But credit cards unsecure. Let your profile grow a little. it will come. you can't rush it. All of us had to wait it out and still waiting even more.

[taxi818]

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@CostantinoA wrote:

I called another number the guy posted 800-480-0205.  What is the difference in numbers?

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The 480 number is generally new accounts, and so on. The number i gave you. they would have given you a real chance. But i think it is best to wait it out at this point. You tried luv button. Chat and phone. all 3 said no. So not much you can do except let your profile get better. use card and wait.

[CostantinoA]

True! But they could lose thousands on the deal. I could file BK, keep the cars and then wreck them before the BK is over.  They might get back a pile of junk and nothing they can do.  I guess I have made good progress.  I was in the low 400's in September 2014 and now doing better. i know people on here do not like to hear it but my success has alot to do with Lexington Law.  They have been amazing the last year.  

[UncleB]

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@CostantinoA wrote:

True! But they could lose thousands on the deal. I could file BK, keep the cars and then wreck them before the BK is over.  They might get back a pile of junk and nothing they can do.  I guess I have made good progress.  I was in the low 400's in September 2014 and now doing better. i know people on here do not like to hear it but my success has alot to do with Lexington Law.  They have been amazing the last year.  

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Hang in there... the only direction for you now is up!

And I'll agree... Lexington definitely has their place, especially with accounts that shouldn't be on the report anyway that have 'survived' previous disputes.  

[Existentialist]

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@CostantinoA wrote:

I just called, asked for 1500 (current limit is 400) and then declined me and said I would get a letter in the mail in 7-10 days!  Funny, they decline me but on 08-05-15, I was approved for 35k auto loan and then on 08-12-15, appoved for second auto loan for 20k.  I know these are secured loans but banks gave me 55k in auto loans but walmart woun't give me a few hundred!

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@Anonymous loans vs credit cards = Apples to oranges (totally different calculations @ work). Furthermore gleening your scores and current INQs there may be a few legitimate reasons for persistent denials. One's overall credit profile is generally speaking, the determining factor. And relevant criteria will vary from lender to lender. Something perhaps worth considering.... or not.

[CostantinoA]

Lexington has removed 141 items (some were listed on each report so it counts 1 for each listing) and I have 52 remaining.  I think 141 is good progess for exactly 1 year.  Sure I paid 948 but 141 items gone and I didn't have to deal with it.  No postage, no headaches. Just let them do their thing.

[KSK1912]

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@CostantinoA wrote:

I just called, asked for 1500 (current limit is 400) and then declined me and said I would get a letter in the mail in 7-10 days!  Funny, they decline me but on 08-05-15, I was approved for 35k auto loan and then on 08-12-15, appoved for second auto loan for 20k.  I know these are secured loans but banks gave me 55k in auto loans but walmart woun't give me a few hundred!

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Exactly. Even within the same creditor, within a matteof 48 hours, i had $4000 in store cards from comenity bank, all soft pull, yet when i apply for a store card i will actually use, they deny Just this morning i got denied for a CLI with amazon store card. Just got the card couple weeks ago with $800 and called twice since then and no luck! I usually use the "I only need a higher limit, because i am worried about my utilization" card, but so far no luck. Will try chat today.