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Wayfair Approval SCT

LilHobbit
Contributor

Wayfair Approval SCT

We're in the process of buying a house and there's some updates we want to make before we move in.  Quite a few things that I like are on Wayfair so I figured I'd do the SCT and see what I could get approved for.  They approved me for $3500 with no HP!  I'm not typically a store card person (I have Amazon and that's about it) but the financing on larger purchases is nice with Wayfair.  

 

FICO scores around 660-690 for all three bureaus.  Ch13 BKR discharged 4/17.  No other baddies on account.

FICO8
April 2017 - Experian 601, Equifax 659, Transunion 568
May 1, 2017 - Experian 601, Equifax 659, Transunion 588
June 1, 2017 Experian 638, Equifax 661, Transunion 582
November 1, 2017 Experian 664, Equifax 667, Transunion 666
January 26, 2018 Experian 678, Equifax 655, Transunion 653
March 14, 2018 Experian 674, Equifax 654, Transunion 654
April 14, 2018 Experian 674, Equifax 676, Transunion 652

BK 13 discharged 4/4/17

Cards - Cap One Venture $5.5k, Discover IT Chrome $5,000, NFCU Sig Cash Rewards $5k, Wayfair $6900, Pottery Barn $750, Home Depot $3500, Amex BCE $500, Amex Delta $1600, Lowe's $5000, Amazon Prime Store $3500, Old Navy $1900 plus a couple other small retail cards.
Message 1 of 6
5 REPLIES 5
Adkins
Mega Contributor

Re: Wayfair Approval SCT

Congratulations!
Last HP 09-14-2020



Message 2 of 6
Disabled-Vet
Valued Contributor

Re: Wayfair Approval SCT


@LilHobbit wrote:

We're in the process of buying a house and there's some updates we want to make before we move in.  Quite a few things that I like are on Wayfair so I figured I'd do the SCT and see what I could get approved for.  They approved me for $3500 with no HP!  I'm not typically a store card person (I have Amazon and that's about it) but the financing on larger purchases is nice with Wayfair.  

 

FICO scores around 660-690 for all three bureaus.  Ch13 BKR discharged 4/17.  No other baddies on account.


Congrats but just be careful, adding a new tradeline during the homebuying process can change your dti and throw a wrench in the process and change everything. I would inform your LO as soon as possible to make sure everything will be okay. Good luck with your new home and again congrats. Dv


     $500         $1,000        $1,300        $1,500        $1,850         $3,400        $3,500                            $9,500        $1,000
Message 3 of 6
pizza1
Community Leader
Super Contributor

Re: Wayfair Approval SCT

very nice! their financing is nice tooSmiley Happy congrats

My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 4 of 6
CreditMagic7
Super Contributor

Re: Wayfair Approval SCT

Nice start on your Wayfair and at just the right time for you too.

 

Good luck with the new house and Congrats!

Message 5 of 6
ImaPirate
Established Contributor

Re: Wayfair Approval SCT

Congrats on the SL! Never pulled the trigger on Wayfair but I wanted to. They're a little pricey for me.

Message 6 of 6
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