I applied for a Walmart Card last night, it was the app that checks you for Walmart Discover then if denied, checks for Store Card. I was denied for both I suppose, I called their backdoor number listed in the forum this morning and asked. They said the reason for deniel was my score was to low and had a baddie on my report (School Loans in Collection) You can see my current score below, but I thought for sure I would at least get approved for a Store Card and work my way up to the Discover. Any advice on how to proceed with them now, or if I should at all. I did recently acquire BOA & Cap 1 credit cards 500 & 200 CL, but only the BOA has so far been reported. I'm thinking I should just sit on these two for 6 months or so making payments etc and try to raise my score some more then try again. Anyone have any suggestions?
Thanks
Edit: I would like to add just one more card to the two I currently have, was wanting a store card in the trio...is there a better one I should try for, maybe one that pulls equifax?
The BOA card was a 99/500 deal. And the Cap 1 is a 49/200, sorry didn't make that clear. So they are both secured. Thinking maybe my AAoA could be a problem on that too. I actually went almost 10 years without touching my credit history at all, so most things had fallen off, but the school loans of course won't go away. I am currently paying them, but I have to finish the 10-12 month program from the CA at which time they will remove the loan from my report. still have 5-7 months to go on that.