Hooters... DECLINED

Creditaddict · ‎08-08-2010

So pulled my scores today 623, Bankruptcy is finally done and all accounts are finally reported correctly and have a new car loan in good standing for 3 months.... Thought it was finally time to try them again... instant no.

What happened to the days of hooters approving 3k lines with people in the upper 500's! UGH

Anyone else pull TU that might grant with this score?

haulingthescoreup · ‎08-09-2010

CA, stop!

Let time do some healing.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

Anonymous · ‎08-09-2010

CA how many inquiries do you have on your reports just curious?

Anonymous · ‎08-09-2010

heyy credit addict,

if hooters declined you

credit one declined you,

you should stop doing nothing !!!!!!!!!!!!!!!!!!

go sleep about 2 years

dont be addicted to apply

getting worse ... inquiry is soooooooo badddddddddddddddd

after 2 years go to prime since your BK already gone (congrats !!)

Creditaddict · ‎08-09-2010

yes yes you are all totally right.... inq are a mess right now... I bought a new USED car and I moved across country and set up all util, cable, apt and opened new bank accounts.

FicoScore626 · ‎08-09-2010

@Creditaddict wrote:
yes yes you are all totally right.... inq are a mess right now... I bought a new USED car and I moved across country and set up all util, cable, apt and opened new bank accounts.

I got declined by Hooters/Merrick Bank last November with a TransUnion score of 667. I had 5 inquiries including the one from Hooters and apparently that was too many. I was a little surprised at the time because I saw a lot of people with lower scores getting approved so I thought I had a good shot. I've had to learn hard way via excessive inquiries on my Equifax and Experian reports that patience is truly a virtue in the Fico game. So, in the meantime while waiting for the inquiries as well as the baddies to age and fall off I've taken up farming. Been focusing on gardening the cards I do have so I can get to the point of pulling out the ole weed wacker and wack the hell out of First Premier Bank with it and boot them from my life.

Anonymous · ‎08-20-2010

I applied and received 7-10 message , It took about 3 weeks to get the card with $1000.00 no annual @16.45 apr..

Creditaddict · ‎10-14-2010

I finally sent off the letter to get the reasons for my decline and just got the letter today.

Declined because my "credit shows I have a mortgage that was open in 2005,2006, or 2007"

ARE YOU KIDDING ME!!

llecs · ‎10-14-2010

@Creditaddict wrote:

I finally sent off the letter to get the reasons for my decline and just got the letter today.

Declined because my "credit shows I have a mortgage that was open in 2005,2006, or 2007"

ARE YOU KIDDING ME!!

Others have posted the same that they were denied due to a mortgage. IMO, it is for the best. I may be wrong, but I think the limits are terrible anyway.

mross1080 · ‎10-14-2010

It was for the best anyway. I got the card 7 months ago and it sits in the sock draw because of all the wierd looks I got using it. It only comes out when I go to hooters. Which isnt that often.