@dadO3 wrote:
First......CONGRATS!!!
Now I have to vent.....
I just recently applied for a Walmart (3rd time trying) & a JCP card (2nd time trying) & was denied on both again!!! The first time I can understand because my scores were low (below 550), but this time when I applied my lowest score was 629 (FICO not FAKO)!!!!!! What gives GECRB?!?! I had a late payment 12 months ago but all 6 accounts has been on time since (2 CapOne-$750, $500)(CreditOne-$300)(Barclays-$500)(Kohl's-$300)(Student Loans-$9800). ALL utilization is below 20% & most of the time I pay in full when the bill comes!
Sorry just want some GECRB love like everyone else......
Jan13 SCORES - EX=529, EQ=564, TU=548 Mar13 FICO SCORES - EX=649, EQ=629, TU=636
I believe your TU needs to be at least 630+
