Overstock SCT approval -- but nothing else???

[jsully87]

Hey everyone -- I don't know if I have ever posted here, and if I have - it has been a LONG time. But a daily user of the forum.

Anyways --- so I am rebuilding... got a SCT pop up for overstock store card the other day, and approved at $500.

(the first one since VS months ago via SCT, and that card has gone from $250-$700 in just a few months, and now a "forever Angel"

Just wondering why I haven't gotten ANY other pop ups??

I have tried every way possible....just curious if my scores are low, why I got a pop up from Overstock and nothing else?? I really want an Amazon store card

I currently am AU on DH cards - and I have the one VS cc, and fingerhut cc for $850

~28K in Student loans, all current, one OLD 30 late from two years ago...

and one installment loan all current

I currently get a Cap1 pre-approval almost daily  -- even tho I have 2 CO from them, and a repo/CO, which is paid

So here's a snap shot...

Scores in the mid 500's -- even tho lender pull (student loan refi) was EX 603 today

PrivacyGuard says Experian - 535, Equifax - 528, TransUnion - 509

Credit Karma - 607

Nov 20, 2014 You now have 1 hard credit inquiry on your report (10 removed).

Inquiries Activity

Credit Sesame - 629 (14 INQ listed- 5 from this year, 2 in last 6 mos.)

  Current Debt  / Balances /Monthly  Min. Payments
 Credit Cards $1,781 /     $125       

 Student Loans   $29,210   /$361

Total $30,991/        $486

Quizzle - 574

• 12 Open Accounts
• 15 Closed Accounts
• 12 Negative Accounts  (lots of CC CO - a handful of collections, all YEARS old, disputed disputed disputed...etc...)
• 22 INQ - (i think some are soft pulls tho)

Currently with Skyblue Credit Repair -- since I signed up two weeks ago, somehow 10 INQ were removed from TU so says CreditKarma.

In TX...

ALSO -- my American Eagle card I got in 2006 - that EX hubby closed -- is about to fall off -- it is currently my oldest card, even tho closed -- any chance I can get them to reopen it??

Thank you all for all your wonderful knowledge and experience....I have been reading your posts for a few years now.

And thanks for ANY advice you can give

[jsully87]

TMI?

[jsully87]

Comments? Advice? Please?

[Creditaddict]

I would grab the pre-approval on capital one and then I would sit and let more things come off and garden.

[b_diddy]

Congrats on the OS approval ... all the scores you mention are FAKO's and not great for giving you the scoop on your actual FICO scores.  Your scores could be higher or lower than any particular FAKO.  You also mention 22 INQ.  Soft inquiries don't show up on most FAKO reports so these are likely all hard inquiries.  Hard inquiries also ding your score.  I don't know if anyone here has figured out a reliable for formula for why some get SCT popups and others don't.

[Anonymous]

you mention the shopping cart trick and state that you can't get any other approvals and that you really want the Amazon store card.

1.  Not to be mean but with your scores I'm shocked that you got the one from Overstock. Take CreditAddict!s advice, get the Cap One card and then don't apply for anything else until your scores go way up.

2.  The Amazon card will never come up in a pop up.  It's not Comenity Bank where all the pop ups for the SCT come from, but Synchrony Bank.

[jsully87]

Thanks

Privacy Guard is FAKO too? Skyblue made me sign up that's the only reason I signed up..

The 22 INQ - I guessed some were soft, because I saw a few re-occuring from creditors I already have credit with....and I haven't applied for anything (HP anyways)

in quite a while....

Thank you for responding!!

[jsully87]

@Irish - I know I am just as shocked as you I got that pop-up. I was shocked last year when I got VS...but I've treated it well, and they have rewarded me...

I don't think I can get Cap1 unless it is true what I've seen on here about them being forgiving....my repo (which I hope to get rid of, it was an Ex's car, I just helped him finance it, and he screwed me, but it's paid) -- and I have two cards from them CO/closed....from a few years ago...

And I know Amazon doesn't come up in a pop up -- I'm just hoping I can get my scores up enough to get it --- hopefully with the TU INQ falling off, and Skyblue's help, it won't be long....

And I know paying for credit repair is "lazy" -- I have done my fair share of my own repair over the years, but I just don't have the time right now...

Thank you so much for responding.

I would take cap 1 pre-approval, but everytime I go to the website, it says it can't find anything for me....and I don't really wanna risk another INQ. Unless ya'll think I should go for it??

Thanks again.

[Creditaddict]

Where is the pre-approval coming from, in mail?

what card and terms is it showing you?

[jsully87]

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@Creditaddict wrote:

Where is the pre-approval coming from, in mail?

what card and terms is it showing you?

---

Yeah - they are all mailers....I litterally get like 5 a week. Mostly 0% intrp APR...I've gotten a few different ones....but I get SOOOOOO many...and I just know they probably hate me for burning them with charge offs....

I was thinking about calling them.....but I'm chicken. Lol