trich701 Posted January 25, 2008 Report Share Posted January 25, 2008 I applied for a Hooters M/C on the 22nd. To date, the status is still pending. I noticed that they pulled from TransUnion which has a score of 609. I have read where others received an answer the next day. Is it safe to assume that it is a no go?Credit Since Repair Target Red $200 (using your debit card in the store does work for instant approval)-1/20/2008First Premier $200 Almost 2 yearsChevron $300 Almost 2 yearsOrchard $300 Almost 2 yearsMacy's $300 -1/23/2008Dell $1500 -1/21/2008Mortgage $264K with 5% Down 7/31/2007Wachovia Dealer Services 24K 3/2007AmeriCredit Financial 19K 3/2007Refinanced Both Cars this week with my credit union, low monthly payment, shorter terms, gr8 interest rates!!! Woo Woo this site Rocks!!!!! Link to comment Share on other sites More sharing options...
Magdalen77 Posted January 25, 2008 Report Share Posted January 25, 2008 I applied for a Hooters M/C on the 22nd. To date, the status is still pending. I noticed that they pulled from TransUnion which has a score of 609. I have read where others received an answer the next day. Is it safe to assume that it is a no go?Credit Since Repair Target Red $200 (using your debit card in the store does work for instant approval)-1/20/2008First Premier $200 Almost 2 yearsChevron $300 Almost 2 yearsOrchard $300 Almost 2 yearsMacy's $300 -1/23/2008Dell $1500 -1/21/2008Mortgage $264K with 5% Down 7/31/2007Wachovia Dealer Services 24K 3/2007AmeriCredit Financial 19K 3/2007Refinanced Both Cars this week with my credit union, low monthly payment, shorter terms, gr8 interest rates!!! Woo Woo this site Rocks!!!!!No, don't assume that. I applied on Dec 14th and got the "your credit decision will take 7 to 10 days" message. On the 17th, being impatient, I called. The CSR told me that "you just have to wait for the process". On the 20th I got the card in the mail. They pulled TU for me as well and my score was somewhere in the low 600s. Link to comment Share on other sites More sharing options...
Hellard Posted January 25, 2008 Report Share Posted January 25, 2008 My TU score is 652- i just applied- havent tried calling yet. almost did yesterday..anyhow i have a Bk from jan02...think this will disqualify me for hooters card. Link to comment Share on other sites More sharing options...
Moneedshelp Posted January 25, 2008 Report Share Posted January 25, 2008 call them and see what happens. At worst they can say no and stop the misery. At best, they can say congrats you have been approved. Link to comment Share on other sites More sharing options...
Hellard Posted January 25, 2008 Report Share Posted January 25, 2008 ok i called- applied on 22nd was told its still processing- call back next week and they will check again. Link to comment Share on other sites More sharing options...
trich701 Posted January 25, 2008 Author Report Share Posted January 25, 2008 I guess I will be a bit more patient. The wait is killing me . Link to comment Share on other sites More sharing options...
sashim80 Posted January 25, 2008 Report Share Posted January 25, 2008 Im waiting to!! ERRR, I wanna know NOW!!! I did get hubbys Macy card in the mail today. $100 limit but better than nothing!! Link to comment Share on other sites More sharing options...
AboveAverage Posted January 25, 2008 Report Share Posted January 25, 2008 I got denied with getting the 7-10. BUT was told by the CSR that when I get the letter in the mail to call back and talk to someone regarding a reconsideration. I'm giving this a 40/60 shot that I will get a card...might even be 30/70....worst case scenario I just simply get no Hooters......... Link to comment Share on other sites More sharing options...
zfire Posted January 25, 2008 Report Share Posted January 25, 2008 Meaning I applied for Cranky yesterday,and he got an instant approval. Who knows what the TL will be though, as they didn't say. I just hope the interest rate isn't something outrageous. his EQ Fico is 665, but they didn't pull them. Out of the other 2, I hope it was TU...the score is better than EX. Link to comment Share on other sites More sharing options...
Hellard Posted January 26, 2008 Report Share Posted January 26, 2008 I got denied with getting the 7-10. BUT was told by the CSR that when I get the letter in the mail to call back and talk to someone regarding a reconsideration. I'm giving this a 40/60 shot that I will get a card...might even be 30/70....worst case scenario I just simply get no Hooters.........Do you have a BK reporting? Link to comment Share on other sites More sharing options...
AboveAverage Posted January 26, 2008 Report Share Posted January 26, 2008 Do you have a BK reporting?No...no public judgements/BKs whatsoever. Link to comment Share on other sites More sharing options...
Hellard Posted January 26, 2008 Report Share Posted January 26, 2008 if you get it and i dont i thinks it will be because of my BK 1/02...we applied the same day so i'll let you know when i find out- either way. Link to comment Share on other sites More sharing options...
trich701 Posted January 28, 2008 Author Report Share Posted January 28, 2008 I called back into customer service, and was told that the application is still pending and I was encouraged to call back in to check on the status. So I am thinking if it was a H*ll to da no then customer service would be able to see that after 4 days?? Back in the day when I applied for credit, I would get the NO right away. So the 7-10 day message gives me a little hope .Still waiting on an answer from:The Room StoreThe Home DepotFlat out NoHaverty'sI am so done with the credit apps after this! Link to comment Share on other sites More sharing options...
AboveAverage Posted January 28, 2008 Report Share Posted January 28, 2008 I called back into customer service, and was told that the application is still pending and I was encouraged to call back in to check on the status. So I am thinking if it was a H*ll to da no then customer service would be able to see that after 4 days?? Back in the day when I applied for credit, I would get the NO right away. So the 7-10 day message gives me a little hope .Still waiting on an answer from:The Room StoreThe Home DepotFlat out NoHaverty'sI am so done with the credit apps after this!It seriously could go either way in regards to being approved or denied if you got the 7-10. In a nutshell, that means your credit has improved but it's going to be looked at by a human to see if they will actually give it to you. I have two major baddies that pretty much probably scared the guy/gal looking at it. I think if I tell him/her that I have another card OR wait until my HSBC starts reporting for awhile, third time for me might be a charm. But I will try calling them once I get a letter in-hand and "beg" Link to comment Share on other sites More sharing options...
trich701 Posted January 28, 2008 Author Report Share Posted January 28, 2008 best of luck to ya!! Link to comment Share on other sites More sharing options...
AboveAverage Posted January 28, 2008 Report Share Posted January 28, 2008 best of luck to ya!! Likewise...do let us know if you got any Hooters love.... Link to comment Share on other sites More sharing options...
Hellard Posted January 31, 2008 Report Share Posted January 31, 2008 no card yet but no denial letter either...think i will call tomorrow-- Link to comment Share on other sites More sharing options...
sashim80 Posted February 1, 2008 Report Share Posted February 1, 2008 I GOT IT!!! I GOT IT!!! Well, Hubby got it!!! LOL WOOHOOO $1100 Limit is TU FICO was 625. I think I should add myself as an authorized user on his account??? Im not able to get anything but Macys. Oh well, IM HAPPY IM HAPPY!!! LOL Link to comment Share on other sites More sharing options...
Moneedshelp Posted February 1, 2008 Report Share Posted February 1, 2008 congrats. Link to comment Share on other sites More sharing options...
bigdaddyroy Posted February 1, 2008 Report Share Posted February 1, 2008 Congrats on the new Hooters card. Remember to keep your utilization low and try to always PIF. Link to comment Share on other sites More sharing options...
Magdalen77 Posted February 1, 2008 Report Share Posted February 1, 2008 I GOT IT!!! I GOT IT!!! Well, Hubby got it!!! LOL WOOHOOO $1100 Limit is TU FICO was 625. I think I should add myself as an authorized user on his account??? Im not able to get anything but Macys. Oh well, IM HAPPY IM HAPPY!!! LOLGo for it!! I made my DF an authorized user on my Hooters Card and my BP/Chase Visa Card. He's the one who actually goes to Hooters and the BP/Chase is because of the great cashback rewards on gas and other things. I want him to use it to save $$ on gas. Link to comment Share on other sites More sharing options...
Hellard Posted February 1, 2008 Report Share Posted February 1, 2008 got me some hooters today too...1K...yeah...hot wings on superbowl sunday Link to comment Share on other sites More sharing options...
Magdalen77 Posted February 1, 2008 Report Share Posted February 1, 2008 got me some hooters today too...1K...yeah...hot wings on superbowl sundayCongratulations!!! See you at the KOP Hooters. Link to comment Share on other sites More sharing options...
trich701 Posted February 2, 2008 Author Report Share Posted February 2, 2008 Congrats to everyone. I was told again that it is still processing today. Keeping hope alive... . Link to comment Share on other sites More sharing options...
trich701 Posted February 5, 2008 Author Report Share Posted February 5, 2008 Today I got the need more info to verify your identity letter. I will fax the info in the morning and see how it goes... Link to comment Share on other sites More sharing options...
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