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I opened a walmart store card in September 2012. I waited till the 4th statement cut lanuary 20th and hit the luv button for a cli and got denied. Waited for the letter and it had a couple reasons that were accurate for October 25th witch is the date on the report they sent.. I called GE and they said that the report was from October and when they request a new one from a soft pull that is the report they keep getting that I need to call transunion I did and trans union said that GE was getting a updated report as of Jan 20th. I don't know what to do now it just seems weird that they can't pull a new soft report. My wife received her auto cli after her fourth statement cut but I am sol....... Any advice?
edit: I know that they have the new info because my fico score keeps going up on there monthly report/score
I'm having problems with them too. My oldest account just fell off my credit (car loan) and now they are telling me that TU will not generate a score for them so they can't give me a cli. Even my free FICO on their site stopped working. They told me to call TU and I have (several times) and they say everything on my report is fine and that I have a credit score and they are being provided with it. I called GE back (several times) and they keep telling me to call TU about the score. I'm running in circles with them as well.
I know I just got off the phone with them talked to a outside of US csr. she pulled another report and still denied. I dont get it. my scores have went up another 46points. but they wont budge at all. and my wifes report is worse than mine but she is getting auto CLI and im fighting with them over a 300 dollar card it makes no sense
It's frustrating...Have you called all of the backdoor numbers for them? What was strange for me is that I have requested an increase on the Walmart and Amazon card and they are saying they can't see a score but when I called the Sams Discover with them, they upped my limit 700.00. So how did they see a score on that one? The only difference on those cards are that I put a 1100.00 tv on the Sams card with a 0% interest for 18 months.....the walmart and amazon are pif every month....so what's up with that?
I called the number in the back door thread and the one on my card for personal accounts. thats wierd that they can get a score for you on one but not the others
I think it's weird too but I didn't say anything because I was worried they would take that increase back....lol
Walmart doesn't actually keep track using the FICO score they provide to customers. They have their own internal FICO score that they don't update month-to-month. I found this out last year when I was denied for a CLI and they provided me with a six-month-old badly out-of-date FICO score that didn't match the score on their website as their reason.
@lithium78 wrote:Walmart doesn't actually keep track using the FICO score they provide to customers. They have their own internal FICO score that they don't update month-to-month. I found this out last year when I was denied for a CLI and they provided me with a six-month-old badly out-of-date FICO score that didn't match the score on their website as their reason.
It's not likely FICO at all, all internal scores are by definition FAKO's.
GE does use the TU08 for their cli granting ability...
however, it is often outdated; I think they base clis on a quarterly report they pull.
My most recent CLI request with GE was for my Amazon account. I did it over the phone, and it was auto-denied. so I called the backdoor num and they upped it from $3k to $8k.
I got my denial in the mail with the letter.. it said 696 TU Fico which does match my Wmt Fico at that time.
Best thing to do with GE clis: call the backdoor "Credit Solutions" number; they are much more accomodating than a silly automated system! haha :-)
Good luck!