Walmart, amazon?

[Anonymous]

hi all

I was just curious if anyone has ever been able to get back in with walmart/synchrony while still showing as a chrage of on your credit report. I burned them for $294 from 2009. My scores have recently hit 605 for transunion and 593 for exp and equifax. Still hve not been able to get an unsecured card with anyone and i know walmart is suppose to be easy to get but not sure in my situation. Thanks

[Shawndoe79]

I was able to get back with Synchrony, after I burned them with about 9 cards in BK7, it took about 8 months after my discharge though.  I did have at least 6 months of payment history before I apped, my first was Belk (preapproval letter in mail), then i added Walmart and Amazon on Black Friday ( not sure if that helped).  My TU scores were around 630 at the time.  There is hope!  How many cards do you currently have?

[Anonymous]

I have 2 secured cards, one from capital one and the othe othe From fnbo. I have had the cap one for about 10 months now and the fnbo about 7months. 

[Shawndoe79]

IMO I would say you would need 1 unsecured card (3 cards are optimal for fico scoring purposes).  You can always try the prequal with credit one or milestone so you will know before you take a hp.  Then after 6 months having the unsecured card, then try walmart or amazon.

[Anonymous]

Well i know my fnbo secured card will possibly graduate after 11 months so hopefully that will help.