CreditGrasshoppa Posted July 24, 2008 Report Share Posted July 24, 2008 Hi all! Infrequent poster, everyday reader here. I recently applied for the WAMU Petsmart card based on recommendations here. I was declined, and according to the decline letter they sent, I was declined based on having a previous account with them. I HAVE to be missing something. I have several baddies, including First Premier, Orchard, Lane Bryant, and Macy's (Lazarus when I had them). Nothing for WAMU either directly or someone that they have bought out. My scores are kinda sucky, high at 585 (TU) low at 545ish. I know, horrible. Any advice? I truly do not think that I have ever had an account with WAMU in any way, yet they deny me for this. Should I recon? Thanks for any wisdom that ya'll might offer!!!!! Link to comment Share on other sites More sharing options...
LeslieR Posted July 24, 2008 Report Share Posted July 24, 2008 The reason might not be accurate...I've gotten lots of bogus reasons in the past.With those scores...no offense...I think you'll have trouble with any WaMu product. Please try a secured card, Orchard, etc. Link to comment Share on other sites More sharing options...
CreditGrasshoppa Posted July 24, 2008 Author Report Share Posted July 24, 2008 No offense taken! I know my scores are in the crapper, I experienced a bit of a drop when I opened some new accounts a few months ago. I was approved for a Cap One, Hooters, and Target. I think I might just sit on those and let them age a bit. Thanks! Link to comment Share on other sites More sharing options...
wvumurray Posted July 24, 2008 Report Share Posted July 24, 2008 Do you have any Providian cards in your history? Like Getsmart cards or regular providian? WAMU took up Providian's business. If you have a bad providian card they seem to blacklist you. Link to comment Share on other sites More sharing options...
LeslieR Posted July 24, 2008 Report Share Posted July 24, 2008 No offense taken! I know my scores are in the crapper, I experienced a bit of a drop when I opened some new accounts a few months ago. I was approved for a Cap One, Hooters, and Target. I think I might just sit on those and let them age a bit. Thanks!Those will help you a lot! Good plan. Link to comment Share on other sites More sharing options...
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