Denied...again!

[Anonymous]

Since I was approved for a Target card, I figured I'd try some more.  I had already been denied a Walmart card.  I just got back my 7-10 day decision from Old Navy.  "Not enough revolving activity, recent judgement, unpaid collection.  How is one to get revolviong activity, if no one will give revolving accounts?  Finally got an e-mail from CCCU on Thursday. Said my phone number was missing a digit, please give a number, they would like to talk to me.  I did and I've heard nothing more.  Getting depressed. 

[Anonymous]

Try for a JC Penny card. What are your scores

[Anonymous]

yep..I know the pain..denial: JC Penney, Target,HOOTERS, Crap 1, Chevron, and currently awaiting one from Sears...No more trying for me until next year ...I have some baddies to pfd .....

[Anonymous]

The only true score I know is EQ which is a 636.  I need to buy the others but don't want to spend the extra right now.  That is why I have been trying for CC's that use EQ.  On that report, I have a paid judgement from 2/07.  I have an unpaid collection from 2001.  I have two paid mortgage accounts.  One with no lates, the other with a late from 2/6.  Auto account with several lates.  I need to build this file with some good things, but can't seem to get anyone to go for it.

[Anonymous]

I have about 6 cards for now and I have 3 collections I have agreed  to pfd..a judgment that comes off next year in March 1 charge off...I will pfd all collections let the judgment fall off and hopefully this will increase my scores...This thing really does take time...so for now Im playing the wait game...