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Discussion in 'Credit Talk' started by Shelby, Apr 21, 2001.
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My score is 583, and I work at Target. DENIED!
There is another poster here, that got the card with 593. I really doubt that 10 points makes a big difference. I have a Discover Chargeoff and a few late payments. When I called to ask why I was declined, the guy told me it was mostly because of my lates. The letter I got said:
-Major past or present delinquencies or public records. (I don't have any public records)
-Too few bank revolving or department store accounts. (Just got the Bonton and Orchard Secured. Only BonTon is reporting)
-Too few satisfactory accounts in proportion to total accounts. (True)
Hope this helps.
orchard doesn't report??? or is your account just too new?
What is BonTon?
Orchard approved me yesterday, and the card is in the mail.
The BonTon is a department store in NY. That is all the cards that I have except my Check Card (visa).
Hope this helps.
Just another whoohoo from me!
it's a Dept store. I think www.bonton.com
Thanks NanaC!! WooHoo!!! (echo, echo echo)
You go, girl! Snap, Snap! LOL
Why don't you apply for First Consumers National Bank? They report to all 3 major credit bureaus monthly.
BonTon is potatoe Chips!