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New Credit Question

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2NE1
Established Contributor

New Credit Question

I am helping my mother build new credit file. She's got no scores at the moment. She applied to CapOne and was approved for the Quicksilver. However, she applied to Walmart and TJMaxx store cards and was denied due to "INSUFFICIENT CREDIT HISTORY ON FILE". Is there a backdoor number for recon? Do you guys have any other recommendations?

 

Thanks! Smiley Happy

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2 REPLIES 2
Skye12329
Valued Contributor

Re: New Credit Question

Sadly since she has no history i dont think it will be approved till the QS card is about 6 mos old.

BK7 - 2/21
Cap1 QS - 2k (4/21) - Closed
Mission Lane - 4k (11/21) - Closed
Venmo - 900 (11/21) - Closed
SavorOne - 2700 (12/21)
VentureOne - 2000 (7/22) - Closed
CareCredit - 15000 (6/23)
Sam's Club - 5000 (7/23)
Venture - 5500 (8/24)
HELOC - 33000 (7/23)
Venture X - 15000 (11/24)
WF Reflect - 5000 (6/25)
Costco - 6800 (8/25)
Message 2 of 3
mongstradamus
Super Contributor

Re: New Credit Question

I probably agree that give it some time. The QS is an pretty darn good card, 1.5 % flat on everything isn't too shabby, especially wtih an very very short file imo. 



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
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