Walmart Recon

[Anonymous]

I applied to Walmart Discover card on June 09, 2014. I was denied credit with the reason their internal score came up with a score of 424.

Other Reasons

1)High ratio of revolving accts opened last year to all revolving accounts

2)Too few accounts currently paid as agreed

3)Accounts in Collection or 60 days past due or AA
4) AAoA to credit limits is too high

since June 9, I have add KOHL's with a $300 limit and zero balance first month reporting

Will add Cap1 QS as Authorized User on the credit report

Collection account removed
AAoA ; have no control over that; first revolving acct opened 6/2013;

Is it worth a try with a recon on Walmart Card;

Should I wait till the card converts to Walmart MC.

Wait till Cap1QS shows up on Credit report as Authorized User

Will a Re-con mean another Hard Inquiry on TU

Have total of 4 inquiries from 2013 or before. Latest Inquiry June 09, 2014 walmart.

30th July, 2014 Secure Card gets reported; Right now Balance $0 reported

24th July, 2014 Kohls card gets reported; Bal $0

What should I do? TU/EQ on freeze right now, I was told to open up TU bureau for Chase Freedom App from July 10.
CreditKarma Score is  615 on TU and CreditSesame  EX score 669;  Waiting on FNBO denial to get my score with EX.

[gdale6]

Too late now to recon that app, apps recons are limited to 30 days. You will need to reapply and I advise you to wait at least 6 months before you do, you need to continue working on getting your derogs taken care of and let the accounts you currently have age.

[SunriseEarth]

AFAIK, GE backed cards don't allow for recons on system denials.   I would work on the baddies and try again in 6 months.

[Anonymous]

ok thats right since if its 6mos wait to Recon, i dont want to loose one more Inquiry

Now, i already applied for ChaseFreedom, however, app hasn't gone thru yet becoz TU is on Ice.

I was asked to unfreeze TU and i didnt do that for Chase. Now I am thinking, i might do that becoz the med collection has gone

[Anonymous]

I would try to recon again... It never hurts to ask - you have already taken the CI for it.  

[Anonymous]

what is a recon# for walmart? idk

[Creditaddict]

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@Anonymous wrote:

what is a recon# for walmart? idk

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you can't recon walmart, it's a GE backed card and they don't recon denials.

I think someone was saying recon chase.

[Anonymous]

Yes CreditAddict you were right. Walmart do not re-con. You just have to apply once again in 6 mos.

Recon# for Synchrony Bank/Walmart is

866-246-4282-Walmart Recon.

877-379-8175- Status of Synchrony Cards