Walmart cc or Jcpenney

[Unoriginalnj]

So 4 charge offs from about 3+ years ago, 3 collections within past two years (low amounts and I'm working on pfd), 2 paid judgements and 1 repo not yet paid from 2009.

I have some good au accounts and one capital one from December 2011 with good payment history but low balance.

I'd love walmart for the tu score but I feel that jcpenney might be more reachable.

Thoughts?

[Anonymous]

Do you know your FICO scores? 

[Unoriginalnj]

591 Equifax via myfico
517 credit karma

[Unoriginalnj]

600 experian fako from experian website.

[luckelle]

If your TU is at least 590 you might have a chance. I did with no CCs at all to speak of. You will probably have a low CL, but hey free TU score.

[HappySoda]

You won't qualify for either and will waste a hard pull. If your fako is 600, my guess is your real FICO is somewhere in the 550's.

[Unoriginalnj]

Okay, reading some various forums and message boards, including here, I was under the impression I might have a shot.

[HappySoda]

You could definitely try, but in my experience having a few collections like that will impact you. For me, I couldn't even get a Macy's card when I had just 2 collections on my acct that were 5 years old. Tell me about your Authorized User stuff, that may get you qualified if it's a high enough amount (2000+) and for a long period of time.

They are both underwritten by GECRB so you have an equal chance of getting either one. I think you have a better chance of getting Walmart however out of the two.

[Anonymous]

JCP and Walmart will pull TU. IMO, your scores should be around 620. 

YMMV

[HappySoda]

For me, Walmart pulled Experian. It really depends on where in the country you are that will dictate the bureau they use for the pull.