Walmart approval. Experian hard pull.

[Anonymous]

Before I applied, of course I came here and did my research. Everywhere I read stated that Walmart was a TU pull, then I remember something. I had done a Walmart app a few months back and they only pulled EX. So I went against what I had read and went with my gut. $500 approval, Walmart store card, 659 EX FICO score, 1 charged off account ($859, 5 years, 9 months ago) 1 new auto (1 month old), 1 student loan (8 years old, never late), one credit builder loan (positive, 4 months old), 1 Discover It unsecured (positive,2 months old), and 1 closed capital one secured card ( closed, positive, 5 months old). Hope this info helps someone else on the way up and of course I want to thank the good members of myfico. Without your guidance it wouldnt be possible. I feel like I should use my Walmart card to cook you all a meal or something. 😂🤣😃

[JoeLuvsHisCredit]

[Cred4All]

Congrats on the approval!

[JimBo99]

Congrats!   Sync tends to pull Experian if you apply in store, in my experience and TU if you apply for anything online.  As always with apping,  there are many variables and your experience may vary from others.  But, you got it now, thats all that matters :-)  Treat it well and Sync will reward you with substantial CLIs in the future. 

[AverageJoesCredit]

You go Girl😀 we are ALWAYS hungry in the Garden club, come FEED us🥓🥓

[Anonymous]

My app was online and it only pulled EX. I live in Texas.

[AverageJoesCredit]

Good data point. Shows people Sync does use other bureaus

[Anonymous]

What confused me though is after approval I tried 2 more SYNC bank places, Old Navy and Amazon, and was declined. I though that since my report was recently on file with them I would for sure get approved. To my surprise 2 declines an 2 more hard pulls only on Experian. I will dispute the additional 2 next week. Seems like they shouldn't have had to pull I again. That puts me at 7 inquires. That's still good right if I don't dispute?

[AverageJoesCredit]

Unfortunately, you cant dispute 2 valid credit card applicatiins as you did apply. Must remember even though the cards are backed by same bank, Synchrony, they all have different underwriting and are separate accounts. One approval doesnt correlate to others being approved. Chalk it up to lessons learned. Lol ive taken like 4 or 5 straight hps recently and gotten nothing . Thus my new credit philosophy 0/24.

[Anonymous]

I hate having to do hard inquires on my EX being that it is my highest score and I depend on it for approvals. I hate being limited to applying only at places that only check EX but....of you saw my EQ and TU inquiries you would pray for me. Over 60 between the 2 of them and only about 12 of those resulted in accounts opened. That was before I found you guys on myfico though...my new family.