@Anonymous wrote:
I applied for a Walmart card in July 2014 (right at three months ago). I was denied, at that time my TU score was 592. Since then, I've had a couple of baddies deleted from my credit report and I now have three credit cards (2 secured, 1 unsecured) that I didn't have at first. My TU score is now 661. Since the three credit cards that I have now are very new, I'm not looking to re-apply right now, I'm just wondering. How long will I have to wait before I can re-apply, after being denied? What time frame am I looking at (3 mths, 6 mths, 1 year, etc...)?
Apply again in 12 months... 
I'm
Very new to rebuilding my credit, just started in 7/14 after I applied for the Walmart card but was denied. I'd been paying off collection accts in full, not knowing anything about PFD, GW letters, etc... I didn't know that although I paid all of those accts in full, they would still just sit in my credit report showing as PAID, but still bringing my score down. I thought that because i paid them off then I'd be able to get at least a Walmart card. But when I applied, I was denied, so I looked into the problem and started working on rebuilding. I've found soooo much helpful info on this forum that has helped me!! But I now have a few credit cards and am gardening those, but was just wondering how long is the time frame to reapply for Walmart. Not going to apply now, just wanted to know ahead if time. Trying to keep from having too many inquires on my report from all if these new accounts. I saw a couple if posts were people stated that it's good to have a mixture if credit types and that a retail card would be great to have. I chose Walmart because I shop there a LOT!! Lol. Do I may as well eventually get a card and use that to help build my scores.
. Thanks for all the great advice!!
Very new to rebuilding my credit, just started in 7/14 after I applied for the Walmart card but was denied. I'd been paying off collection accts in full, not knowing anything about PFD, GW letters, etc... I didn't know that although I paid all of those accts in full, they would still just sit in my credit report showing as PAID, but still bringing my score down. I thought that because i paid them off then I'd be able to get at least a Walmart card. But when I applied, I was denied, so I looked into the problem and started working on rebuilding. I've found soooo much helpful info on this forum that has helped me!! But I now have a few credit cards and am gardening those, but was just wondering how long is the time frame to reapply for Walmart. Not going to apply now, just wanted to know ahead if time. Trying to keep from having too many inquires on my report from all if these new accounts. I saw a couple if posts were people stated that it's good to have a mixture if credit types and that a retail card would be great to have. I chose Walmart because I shop there a LOT!! Lol. Do I may as well eventually get a card and use that to help build my scores.
. Thanks for all the great advice!!