My TU FICO from myFICO is 694 as of today so I decided to app for the Walmart card for the free TU score. I was feeling pretty confident with the score and one 2 year old closed charge off on my report. My AAoA is 4 years. My Utilization is 7%. Very disappointed - got the message that I would get an answer in the mail in 7-10 days so I called right away and was told it was denied. Also the rep said , there is no recon procedure. I don't understand I guess. How can I improve my credit so I can get approved. I have a car payment that is paid as agreed for over 4 years. One credit card with a low limit $200 that is paid as agreed for 12 months and 1 installment loan that is paid as agreed for 8 months. Only 2 recent inquiries - which are close to a year old and of course now this wasted inquiry 
The rest is deferred student loans that are paid as agreed except a couple of 30 day lates that are 3 years old.
EX FICO 693 PSECU
TU FICO 694
EQ FICO 681
Starting Score: 563
@kdcka1 wrote:My TU FICO from myFICO is 694 as of today so I decided to app for the Walmart card for the free TU score. I was feeling pretty confident with the score and one 2 year old closed charge off on my report. My AAoA is 4 years. My Utilization is 7%. Very disappointed - got the message that I would get an answer in the mail in 7-10 days so I called right away and was told it was denied. Also the rep said , there is no recon procedure. I don't understand I guess. How can I improve my credit so I can get approved. I have a car payment that is paid as agreed for over 4 years. One credit card with a low limit $200 that is paid as agreed for 12 months and 1 installment loan that is paid as agreed for 8 months. Only 2 recent inquiries - which are close to a year old and of course now this wasted inquiry
Bummer! I know the feeling. I'm surprised a little that you got denied with those scores. I got that same 7-10 message and knew it meant denial, but my scores are lower than yours and I am literally just rebuilding credit. I thought the Wally World card was supposed to be an easier card to get.
Good luck with everything else.
Starting Score '14: 638Major Bummer.... I called Capital One - I have my $200 unsecured card with them and asked about a CLI - they said I could apply - but there may be a hard pull. I don't want any more HP's so I said forget it. I am holding out really - for that one charge off to maybe get deleted from my report with a DV request - to apply at PSECU for refinance on my car and their card. I heard as long as there are no open unpaid collections and scores are over 650 you will be approved. I have checking and savings with them and my paycheck is direct deposit. Now I'm afraid to do anything - because as you said I thought Walmart was supposed to be easier to get and TU is my highest score and best CR. Thanks for the well wishes anyway though 
EX FICO PSECU 693
TU FICO 694
EQ FICO 681
Have you pulled your report to see what might be reporting or just your score?
You have nothing negative in your report for how long?
Seems from what you have posted that you should have been approved.
What about income?
*8/10/13
You're welcome. Keep us posted. From everything I've read, there are so, so many factors involved.
Unless they changed their underwriting procedure, this should have been a slam dunk for you in my eyes. I'd call again.
@elizabeth16 wrote:
My scores are no where near yours and they approved me online first try. Only a $500 limit, but I mostly got it for the fico score and gas discount. I also hear they are quick with CLI too
Do you mind sharing your scores? I ask because I was denied as well and curious if it's scores or something else like verification as was mentioned above.
I just pulled my TU credit report today. I have one paid collection that is 2 years 6 months old and one paid charge off that is 5 years old. There is nothing else negative on my report. ???????????????? Actually, I just looked at it again and the student loans are not even reporting 30 days late on TU that is on EQ.