katwoman Posted October 6, 2004 Report Share Posted October 6, 2004 I applied for a store card that is serviced by Household. They pulled TU. TU FICO is 640 (according to Providian).These were the reasons given for the declination:1) Limited satisfactory credit history2) Near full use of bank/rev credit limits3) Near full use of retail store credit limitsTU does show high balance and credit limits BUT I do not have any cards maxed out and the installment loan has been paid off in 2001. Do I get in touch with the store credit department or Household? No contact info was provided. Link to comment Share on other sites More sharing options...
admin Posted October 6, 2004 Report Share Posted October 6, 2004 I'd just get your free copy of your credit report (from each bureau) and see what's up. Sometimes, I think the decline codes are issued at random. They don't usually make sense. Link to comment Share on other sites More sharing options...
katwoman Posted October 6, 2004 Author Report Share Posted October 6, 2004 Actually, I do have reports (all within the last month) and I subscribe to PG.My reports are sketchy due to the deletions I was able to get. Still, I figured since it was Household servicing the card, I would be granted credit. After all, many on these boards used the HH trio to rebuild.Any other thoughts? Link to comment Share on other sites More sharing options...
paw67 Posted October 7, 2004 Report Share Posted October 7, 2004 I have the hh trio but have been declined for 2 different store cards that hh issues. Doesn't make any sense to me. I just don't plan on applying for any store cards that are issued through hh.paw67 Link to comment Share on other sites More sharing options...
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