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@Anonymous wrote:
Okay, in an effort to get a better mix of credit (since CJs disappears or goes DOWN in the next four months -- we hate jewelry, so we won't be buying enough to keep the $2500 CL), we apped for a Walmart Store Card (didn't even THINK of the Walmart Discover!! LOL!!) and GOT IT!! Whoooo!!
The CL is $400 and it says "Type of Account: Choice A" -- does ANYONE know what that means?? Does "Choice A" define the type of credit (sub-prime, prime, average)???
Anyone know???
Hi Wondering,
Did you get one in your name with your scores?
@Breakthecycle2 wrote:Hi Wondering,
Did you get one in your name with your scores?
Nope. I was too scared to!!
When my scores rise a little higher (hopefully quite a bit once my new Cap One reports -- much less the mythical "Credit Steps Increase" hits!!), I'll try ... for now, I'm too chicken!!
With my scores and a BK in 2004, I got the WalMart Discover w/ 2K CL. I almost had a stroke!
I got my first card, Orchard in 9-07, then Paypal buyer credit 11-07. In 4-08, Cap1, andJCPenny's. Gap, Old Navy, JCPennys, WalMart Discover.
Hope that helps anyone trying.
ADDED: they pulled EQ on 8-18 so my score was about 650-660.
We are finally homeowners!!
Closed May 5th-30 yr fixed at 5.25%.
@almost_there wrote:
Called in again today after a 7-10 day decision message on Sunday. I was denied with a 620 EQ (the only pull) score. So frustrating. At least I could afford the hard pull on EQ. Why is it so arbitrary? I don't have any collections on EQ.
Could it be a LACK of credit rather than bad credit? Check out the MyFico reports and see what they say about everything on the report and the things hurting you.
We are finally homeowners!!
Closed May 5th-30 yr fixed at 5.25%.
@WannaHouse wrote:
@almost_there wrote:
Called in again today after a 7-10 day decision message on Sunday. I was denied with a 620 EQ (the only pull) score. So frustrating. At least I could afford the hard pull on EQ. Why is it so arbitrary? I don't have any collections on EQ.
Could it be a LACK of credit rather than bad credit? Check out the MyFico reports and see what they say about everything on the report and the things hurting you.
No, I don't think so. For the amount of new credit and credit length, MyFico gives me a very good. Amount of Debt (student loans) and payment history do suck, but I haven't had a late in over two years and my student loans are all up to date. I owe about 140k.