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Walmart - CLOSED!

Remedios
Moderator

Re: Walmart - CLOSED!


@Meanmchinewrote:

@Remedioswrote:

@Meanmchinewrote:

I know EXACTLY what is on my reports, I know my current util down to the nearest dollar, the reason why my scores are the way they are and when they will be going up. Synchrony didnt wake up yesterday and say "we are below quota on our random closings. Who is next up?" There is a reason why you were picked.

 

If you want a clue as to why Sychrony MIGHT have done this, google "Experian Bust Out" and see how many triggers you have

 

 


You hungry? 


 

You treating? Smiley Happy


Yeah, but don't pick anything expensive 

Message 21 of 48
Meanmchine
Super Contributor

Re: Walmart - CLOSED!

lol


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840


"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 22 of 48
joe8185
Valued Contributor

Re: Walmart - CLOSED!


@Treasurecreditwrote:

http://ficoforums.myfico.com/t5/General-Credit-Topics/Bust-Out-Score/td-p/5116259


That entire thread is well worth a read. Of particular note is the unfortunate fact that a lot of honest people who have no intention whatever of committing fraud might, unbeknownst to themselves, match enough of the warning flags of "bust out" to trigger alarms and consequent AA.

Ch 7 BK discharged 11/28/14, credit rebuild well advanced. FICO:TU 680 FICO 8 (3/2/19) or 687 FICO 9/EX 694 FICO 8/EQ 685 FICO 8 or 674 FICO 9 (NFCU 3/3/19), VS 3.0 10/17/18: TU 702/EX 699/EQ 698. $92.9k revolving credit as of 1/31/19; $1K NFCU cashRewards Visa, $2K BJ's Perks MC, $5.1k Discover It #1, $6.5k Discover It #2 (new 3/12/18), $3.5k Petal Visa, $6k Paypal 2% CB MC, $6k Amazon Prime Store Card, $6k Walmart Store Card, $7k Apple FCU Platinum Visa, $7k Penfed Power Cash Rewards Visa, $11.8k Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening: 3 months, 19 days as of 1/31/19. 24 HP inqs total as of 10/12/18: 10 TU, 9 EQ, 5 EX (about half over 1 year old).
Message 23 of 48
dragontears
Valued Contributor

Re: Walmart - CLOSED!


@cr3dit5harkwrote:
My profiles are completely clean. I worked over the past year to clean them up. I actually didn’t get approved for my Walmart card until after all of that was removed and gone so it’s got to be something else for my issue.

But that could be something causing others some problems.

I don't mean to be rude but how is your score still so low if your profile is "completely clean"?

Scores hover around 800
Haven't been AZEO in over a year
Rome was not built in a day, neither is a good credit profile
Message 24 of 48
cr3dit5hark
Frequent Contributor

Re: Walmart - CLOSED!

I would assume mostly because my AAoA sucks. I really haven’t given it time to grow since when I was able to finally get approved for things I went a little crazy.

Maybe my AAoA has something to do with it as well.
Starting Score: EQ 606 TU 623 EX 598 - April 17'
Current Score: EQ 644 TU 664 EX 667 - May 18’'
Goal Score: EX 750 TU 750 EX 750


Take the myFICO Fitness Challenge
Message 25 of 48
joe8185
Valued Contributor

Re: Walmart - CLOSED!


@cr3dit5harkwrote:
I would assume mostly because my AAoA sucks. I really haven’t given it time to grow since when I was able to finally get approved for things I went a little crazy.

Maybe my AAoA has something to do with it as well.

If you engaged in app sprees at that time, that could have been one factor, yes. I've been worried about applying for cards too quickly, and the shortest span of time I've ever done that in was when I got four cards late last spring/early summer in about a month and a half. Overall, I've gotten new cards at the rate of about once every other month since seriously beginning my rebuild (counting from November 2016 when I was approved for Amazon, rather than December 2015 when I got my Cap 1 secured), and since last July 1 when I was approved for Penfed Power Cash Rewards I've only gotten three new cards in the last nine months.

Ch 7 BK discharged 11/28/14, credit rebuild well advanced. FICO:TU 680 FICO 8 (3/2/19) or 687 FICO 9/EX 694 FICO 8/EQ 685 FICO 8 or 674 FICO 9 (NFCU 3/3/19), VS 3.0 10/17/18: TU 702/EX 699/EQ 698. $92.9k revolving credit as of 1/31/19; $1K NFCU cashRewards Visa, $2K BJ's Perks MC, $5.1k Discover It #1, $6.5k Discover It #2 (new 3/12/18), $3.5k Petal Visa, $6k Paypal 2% CB MC, $6k Amazon Prime Store Card, $6k Walmart Store Card, $7k Apple FCU Platinum Visa, $7k Penfed Power Cash Rewards Visa, $11.8k Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening: 3 months, 19 days as of 1/31/19. 24 HP inqs total as of 10/12/18: 10 TU, 9 EQ, 5 EX (about half over 1 year old).
Message 26 of 48
UpperNwGuy
Valued Contributor

Re: Walmart - CLOSED!


@cr3dit5harkwrote:
I would assume mostly because my AAoA sucks. I really haven’t given it time to grow since when I was able to finally get approved for things I went a little crazy.

Maybe my AAoA has something to do with it as well.

What did you do that was "a little crazy"?  And how long ago?  I suspect this might be the reason.

Daily Carry: PenFed Power Cash • NFCU Flagship • NFCU More Rewards • Chase Freedom Unlimited
Sock Drawer: PenFed Promise • NFCU cashRewards • Chase Freedom • Chase United MileagePlus • UNFCU Azure
Message 27 of 48
Meanmchine
Super Contributor

Re: Walmart - CLOSED!


@cr3dit5harkwrote:
I would assume mostly because my AAoA sucks. I really haven’t given it time to grow since when I was able to finally get approved for things I went a little crazy.

Maybe my AAoA has something to do with it as well.

 

One of the best ways to streghten your file is to join the garden. Let your current tradelines age and grow. Dont go crazy hitting the love button or calling Credit Solutions. To many CLI attempts will spook any lender.


 


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840


"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 28 of 48
donny10
Senior Contributor

Re: Walmart - CLOSED!


@cr3dit5harkwrote:
I would assume mostly because my AAoA sucks. I really haven’t given it time to grow since when I was able to finally get approved for things I went a little crazy.

Maybe my AAoA has something to do with it as well.

What is the AAOA's? That is quite possible. I have a low Equifax FICO 8 of 729 because it's just shy 2 years for AAOA's. I have clean files. It was 736 but the Citi HP cost me.

Message 29 of 48
AverageJoesCredit
Mega Contributor

Re: Walmart - CLOSED!

Sorry to hear this op. Thanks for sharing. Carrying balances on a Sync card shouldnt be the culprit, theyd love that but will be interesting to read the letter.
Message 30 of 48
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