What does Walmart and Barclay want? Please help

[FinStar]

---

@09Lexie wrote:
Every profile is different and why some lower scores are approved and others are declined are based on a several factors. Credit scores is not the only criteria. Baddies, income, overall credit history. Based on the list you were given, your baddies and utilization need to be addressed. Apping in a store will not override the number of accounts past due, in collections or high util. Managing your debt and not seeking more debt until you can manage more debt may be the best thing for you right now.

---

+2

And what myjourney mentioned above.  Until those factors improve, the outcome will remain the same for both lenders.

[JMills]

@madmann26 I am well aware what's on my credit report. I am on myfico.com religiously, and I received daily/updates from paid subscriptions. I made a mistake. I thought my scores are now is 600s I should give a shot. I had to take my humble pill. I understand obtaining credit from a particular creditor varies as others will say YMMV. I have friends with 580 receive this card but I guess they may not have any baddies like me.