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Showing content with the highest reputation on 02/07/2007 in all areas

  1. 1 point
    Walmart and Old Navy both pulled EQ for me. EQ is my suckiest so of course I got denied.
  2. 1 point
    AMEX - Pulled all 3. I am guessing because there was not enough info on the first 2. Order went EQ, TU, EX all within 5 days. Talked to reconsiderations rep who advised the minimum you need is 6 months credit and must not have any derogs whatsoever, regardless of amount or credit score. Rep advised me that basically you need a 700+ credit score and 0 derogs for an instant approval. If your credit score is lower, they will manually review and to be approved manually you must have no derogs, chargeoffs or public records and at least 12 months good history on at least 2 TL's. I've noticed you have a much better chance of approval if you call the reconsiderations department after declination, as they can usually tell you minimum requirements.
  3. 1 point
    Illinois Creditor .................CRA...Score.....Result and Reason Amex ................... ..Eq.....755......Denied delinquent account 13 yrs Patelco ....................Ex.....712......Denied 1 Co and 1 unpaid collection Citi .........................TU.....687......Denied I unpaid Collection, 2 CO, 2 paid Target......................TU.....687......Approved $500 (same as above) HSBC household..........EX.....711 ......Approved $3000 I CO,1 Unpaid HSBC Dscvr Drct Rwrds EX.....711......Approved $3000 1 CO, 1 unpaid Hooters .................. ..TU.....637......Approved $500 Credit one bank............EX.....N/A.......Approved $350 Aplied card bank...........EX.....N/A........Approved $500
  4. 1 point
    Docdon-tried to PM like you asked. Said I could not. so hope this helps Lowes TransUnion ---fico score between 615-626 (checked sept& dec. lowes pulled Nov.) 3 paid medical coll. 1 car never late (2 1/2 yrs) 1 mort. never late (8 months) DENIED (at store. never got letter in mail) Ohio