Posted by William Charles on June 21, 2017
Credit Cards

Published on June 21st, 2017 | by William Charles

909

Shopping Cart Trick 2018 – Get Credit Cards Without The Hard Pull

There is something known as a “shopping cart trick” that can allow you to get store specific credit cards that don’t result in a hard pull on your credit report. Using this trick doesn’t result in a hard pull, it will still affect your credit as these cards are reported on your credit report (which will decrease your average age of accounts). There are a couple of rules we need to follow when trying to do this trick:

  • You need to be opted in for credit card promotional e-mails. You’re automatically opted in, so unless you have manually opted out you won’t need to do anything. I recommend being opted in anyway, you might receive a good targeted promotion if you are (here is how you can check for these offers).
  • Only works on cards issued by Comenity bank (and some cards issued by Synchrony & Wells Fargo)
  • Turn your pop up blocker off if you use one. A lot of the credit card offers pop up, if you have a pop up blocker then you might miss it.
  • If your asked for your full SSN, it might be a hard pull. Some of these websites ask for your full SSN when applying for the store cards, whilst others ask for your last four digits. If it asks for your full SSN it might be a hard pull so be careful. As always, your mileage may vary.

How To Do The Trick:

  • Go to the website of the store you want a card for.
  • Join their loyalty program (some people find more success skipping this step and just checking out as a guest)
  • Add some items to your shopping cart
  • Start to check out
  • Enter in your address, make sure this matches your address listed in your credit reports exactly
  • Continue going through the check out process until you get to the final payment page. You should receive your offer before this page, if you haven’t then either the shopping cart trick isn’t working or you need to try again.
  • Choose to accept your offer
  • Complete the application
Make sure you enter your information in the same as it’s displayed on your credit report.

When joining the websites loyalty programs, it’s extremely important that the information you enter is the same as it’s displayed on your credit report. Whilst the shopping cart trick isn’t a hard pull, it’s still a soft pull and if they are unable to verify your identity you will not be offered a card. Comenity bank usually uses your Experian report.

You don’t need to actually purchase anything at the store you use this trick on. Once your application is finished you’ll automatically be taken back to your check out page (if this was closed earlier) you can just abandon this after you’ve finished applying.

Credit limits on these cards are extremely low, usually $500 or less.

You can request a credit limit increase and they usually give automatic credit limit increases if you put any decent amount of spend on the cards. They typically won’t increase the credit limits if the card is not 9 months or older. Requesting a credit limit online is usually a soft pull. You might be able to get higher limits on these cards by adding a lot of items (e.g several thousand) to your shopping cart before trying this trick.

Why Is This Useful?

There are three main reasons as to why you might find this trick helpful:

  • Help to build your credit when your credit is bad. Because they don’t do a hard pull on your credit report, they will not be able to see if you have any bankruptcies on file or other derogatory items. Typically lenders feel more comfortable loaning to people with bad credit that have received credit from other lenders, as this allows the borrower to show that they are capable of making on time payments and might have turned over a new leaf.
  • Bonuses on the credit card. A lot of these store specific cards offer bonuses to cardholders to encourage them to use the cards or shop at the store. It’s not unusual to see stores offering a $10 statement credit to use the card for example. Some will offer a “sign up bonus” that is an instant discount on purchases. The best cards offer on going bonuses.
  • Fee free American Express credit cards. These cards can be used for Small Business Saturdays and some American Express sync offers. Unfortunately Comenity seems to only really have Visa cards so you’re pretty restricted in using this trick for that, but Dillard’s is a card that this trick works for that has an American Express version.
    • Dillard’s

Stores That This Trick Works With

Below are a list of stores that I’ve seen successful reports on this trick working. The trick won’t work 100% of the time, so if you don’t see a pre-approved offer don’t stress out, just try again in a few weeks and hope for the best.

Comenity Bank Store Credit Cards

Most people find Victoria Secrets one of the easiest cards to get using this method, I’ve also had a lot of success with Overstock as well. If you’ve gotten the shopping cart trick to work on any other cards then please let me know.

Synchrony Bank Store Credit Cards

Wells Fargo Store Credit Cards

Other Resources

The following are some resources & blog posts that you might find useful if you’re getting into the shopping cart trick.

Are there any blog posts or forums / threads which you think I missed? Let me know and I’ll add them.

Final Thoughts

These methods aren’t going to be for everybody, but if you have bad credit and want to get some positive trade lines reporting this might be an alternative option to a secured credit card. For people with good credit (and a high AAoA) then some of these cards might be worth considering for the on going bonuses. I also think it’s worth trying to get the Dillard’s card to have another fee free American Express card, although I haven’t been able to get that card to show recently.

Thanks to PFDigest & MyFICO forums for continually making me aware of this trick.



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909 Comments on "Shopping Cart Trick 2018 – Get Credit Cards Without The Hard Pull"

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Nick @ Personal Finance Digest

To clarify: while I have experience with Comenity cards (and in fact just used one today), I have never personally used the shopping cart trick. I only wrote about it because it is indeed a neat little trick.

Rose Bronson
Rose Bronson

I finally got the shopping cart trick to work at J.Crew! It said *subject to credit approval* below this. So I’m not sure if this is a HP or SP? Not that I care since I wasn’t going for the card anyway. Just seeing if it works.

AJ
AJ

The “trick” is total BS! Well it is for me anyway. Doesn’t work what so ever for me. Have opted into so much crap trying to get it to work that I have a full mailbox and email. Ugh! I hate that I even read about this.

I wanted a VS card and came across this article. Tried to get this “trick” to work for MONTHS and it never did!!! I finally bit the bullet and just applied. I got a message on screen that did not say I was approved. Under review or something. Can’t remember. Got the letter in the mail and thought it was a denial. Nope! Called the number on the paper and verified myself and voila!

So screw your little shopping cart “trick” …

Toni Taylor
Toni Taylor

OK Guess this is a silly question, but is the ‘trick’ for example when you are QVC or Overstock and the banner for the card appears at the top? Or is the invite something else?

ZiggyZ
ZiggyZ
If it’s a Banner ANYWHERE on the actual Web page itself, then it’s just an general advertising banner for the card and will be a Hard Pull if you apply that way. It has to be an actual pop-up that will have verbiage to the extent of saying that YOU have been pre-qualified. The pop-up will be a new window/page that pops-up on top of the current shopping cart checkout page. It will usually occur after you’ve entered in your billing/shipping name, address & phone number. On this specific page after you fill out your information and you click to continue, the next 1-2 pages typically will present the pop-up. However, it should happen by the time you get to the last/final page in the checkout process. The final/last page will have a submit, submit order, complete order, etc button on it. If you’ve reached this page, and you did not get the pop up, do NOT click submit or any button that is consistent with submitting the order for processing. You should receive the pop up by the time you get to the last page in the checkout process. Generally you’ll get the pop up on the billing screen that asks for your payment information. The popup is known to either happen when you get to this page or after you’ve entered in your billing and payment information and click Continue to go to the next page. But be careful, some of these payment screens maybe the last page or step in the order process. However, very few sites have them as the last page. Just keep a watchful eye. The reason that I stress that last final page, is because some sites once you submit an order, it cannot be cancelled. Not all sites are like this. One site that I know of that you cannot cancel an order once it’s been submitted is the Eddie Bauer website. Once you submit an order on this website, there is no way to cancel the order. Even if you do call customer service. After you place the order on this site, you have to wait until the package either gets delivered to return it or if your home when the UPS driver comes to your door you have to refuse the package. Some people may be scratching their head asking,”why would I want to submit an order? ” Believe it… Read more »
Toni Taylor
Toni Taylor

Thanks Ziggy! 🙂

shawniee
shawniee

what sites does the sct appear after submitting order?

jenna
jenna

thank you for making me laugh today.

BLS
BLS

If you have your pop up blocker enabled it will not work and some security features on anti-virus software will also block it.

Hil
Hil

The shopping cart trick didn’t work for you for the same reason you didn’t get the card … your credit score isn’t high enough. Once you hit 580, you should be able to get some to pop up.

CarolS
CarolS

My credit score is 600 but I can’t get it to work on any that I have tried.

mary k
mary k

Worked for me, now let the credit rebuilding begin. Very pleased with the results

Mike
Mike

I’ve gotten Four to work but only excepted three due to the low CL.

My wive has four that worked

Nmgh
Nmgh

It worked for me. Did you make sure to take off the pop up blocker FIRST? That makes a difference. I got three cards in 20 minutes

Carolyn L Starks
Carolyn L Starks

Where is the pop up blocker

Glodie
Glodie

How do I remove it on the computer and Ipad

Lb2Shay
Lb2Shay

There’s a site called guerrillamail.com, which serves the purpose of temporary disposable email, you can send and receive emails through their system for as long as you need it then dispose of and forget. Very useful tool for things such as this you don’t wanna be bothered too much by. Lol speaking of which I’m going to use on here as well

Amber
Amber

It worked for me…I just signed up on their website. Added a bra to my cart, clicked checkout, and a screen came up that said your preapproved, it only asked my dob and last 4 of ss. I got instant $150 credit limit. My credit is only a 574. Try again

aSHLEY
aSHLEY

This wouldn’t work for me either. You actually have to Opt-In to be eligible via https://www.optoutprescreen.com/?rf=t

If you don’t opt-in, it won’t work regardless of your credit score! So far, I’m 5 and 11, but that’s better than nothing!

Rebecca
Rebecca

No one is mentioning doing this first. It would make sense; otherwise, how would the companies know to offer you the card?

I am incredibly curious to know if everyone else did this first. I wish some people would respond about it.

What do you mean ” 5 and 11″?

DJ
DJ

Hello

I did this and got the following cards; Victoria’s Secret, Woman Within, Buckle, Fullbeauty, and Roamans. I tried more than once before the offers popped up.. I did opt-in and got the results above.

Dave
Dave

It worked for me without using that link, I was able to get VS – $350 CL, I bought a $150 giftcard for the wife. My scores are between 510 and 535 but I do have multiple secured cards, a few bank cards a car loan and a Zebit line

Nicole
Nicole

I love stupid thinking people, they make the world go around!

I recieved total of 4 using trick. VS, Overstock.com, NY&CO, Buckle

stephanie
stephanie

how far did you have to go on overstock in the check out process? VS popped up right away but so far overstock hasn’t popped up for me 🙁

datrucking210
datrucking210

So you took a hard pull on a store card, brilliant.

Tina
Tina

I received 5 cards this way. First being the VS card. You must be below 500. Sorry it didnt work for you

shawniee
shawniee

my ficos are 585, 629 and 639 after bk 8 months. i have a friend in bk at 440…it worked 2 x j crew and pier1

James
James

Has worked for me, I have had a lot of pre approvals

Cyn
Cyn

It worked for me on the first trick and so did overstock. Wayfair and bath and body didn’t but I’m happy with the ones that did.

Kim
Kim

How far did you have to go with Overstock?

LadyB
LadyB

It totally worked for me just yesterday.
Perhaps it’s the updated software, my computer keeps telling me to update and I have not. Also make sure pop up blocker are turned off. Also create an email address just for this purpose so your true inbox is not flooded. Side note: I did not give email address until after approval.
Good luck.

Todd
Todd

In the past 4 months I have gotten 16 credit cards through Comenity Bank all of them the credit limits are $1,000 or more the last one I just got wasn’t even on the list it was for Pottery Barn $3,500 got it today

Tt
Tt

Can you please list all of them?? Thanks!!

Toni
Toni

AJ, I have also tried for months…it finally worked yesterday! I got my VS with $350CL. You just need to have patience, there are many other factors that could be preventing you from receiving offers.

Toni Taylor
Toni Taylor

Dear AJ, It has taken me a little over a year to get the SCT to work for me. During that time I sold a house and bought another and my credit hovered between 598-656. Finally, in the past week I got it to work on 3 accounts. You just need to have patience and you need to understand your credit and work on it in the meantime. My credit score has been at 655 for awhile but before I sold my house my debt to credit ratio was a bit high, now it’s below 50% and I know that helped me a great deal. What I’m saying is that it takes some action on your part too :). It does work.

denise
denise

It didnt work for me until I found out that the soft pull, may have your old address. I went to the optin website entered my old address, and I tried NY&C and was approved for 250.00 Something you are entering does not match…

denise
denise

i tried my address still no popup i fed up

Tina
Tina

I have tried a bunch of them over and over and not gotten it to work I don’t know what i’m doing wrong or not doing but I am very frustrated

Shawn
Shawn

Clear all history on pc and make sure pop up blocker is off. I’ve tried in Chrome, Edge and Mozilla browsers. Strange it has only worked for me in Mozilla. Also, Comenity use Equifax and Experian mostly. Be sure name and address match. But everyone out there re: soft vs hard pull. I rcvd preapproval for Brylane Homes and Pier 1 store card and they did Hard pulls. As for Overstock, Wayfair, VS, Jcrew, Full Beauty and Boscov’s they were soft. The cards I keep trying and NEVER ever pop-up are Sportsman’s Guide, Total Rewards, Orbitz, Pottery Barn, Crate n Barrel, Express and Buckle (which are the ones I’d use and want, NEVER give me the pop-up. HSN as well!

Genyne
Genyne

Rebuilding credit following BK chp7 discharge 5 years ago…. EQ 635 TU637 EX622 Approved for VS $250, HSN $1000! I did the loyalty signup for both but cleared ALL browser history. Thank you so much I feel as though I’m headed in the right direction!

Dana
Dana

I am also rebuilding… EQ525 TU 545 EX 602 I got VS 250 HSN 1750 J CREW 250 Limited and Express all 250 Meijer and Sports Authority 500 NY&Co 250 Talbots 300 Buckle and Abercrombie 250… plus several more and just got approved for a 2015 Chevy Cruze for my son!!! Super excited!

denise
denise

can u tell me how u got thr shopping cart trick to work not able

ZiggyZ
ZiggyZ

Look through some of the post towards the top of the page. There are several people that have posted many comments about how they were able to get it to work.

Also, make sure you follow the instructions posted at the top of the page about making sure you are opted-in for offers.

Keesha
Keesha

Hi I actually did this last night with NY & Co, and it worked, as you said it was a limit of $300, and only took 5 minutes

Haley
Haley

This is a bunch of B.S. I did this and yes got accepted to both VS 750 and Gandermountain.1500 and both were hard pulls! Don’t do it….. I did exactly like he said, and did not even enter entire social and got 2 hard pulls from same bank… SO MAD!

Janet
Janet

This is completely a YMMV thing. On some forums, others have reported a hard pull for VS.

As per one of my responses below, ALL Comenity Visa/MC’s will result in a hard pull with the exception of Sportsmans Guide and that is definitely a YMMV. Some have reported a hard pull while the majority report a soft pull. Mine was a soft for both.

Shawn
Shawn

What does YMMV actor stand for?

stephanie
stephanie

VS didn’t do a hard pull on me. Maybe it’s just some and not everyone?

Goober
Goober

This works!!! I have terrible credit (FICO 589) and am trying to rebuild. I did exactly as it said and it didn’t work for me until I tried Victoria’s Secret. Although I’m a guy and don’t think I’d ever use the card, it worked just like it said. I added one item to my shopping card, proceeded to check out and then a pop-up came up saying I’d been pre approved for $500. It only asked for the last four of my SS#, I completed the application. I got the final approval and then didn’t need to complete the purchase. I guess to get positive information on my credit report I need to use this once a month. Guess my sister is about to get a random gift each month. haha!

checking
checking

LOL.. she will love you for life dude.

DGS
DGS

Your Victoria Secret card can be used at Bath & Body Work and White Barn. They have guy stuff!

Donald
Donald

I tried a few of these links…no prequalify offers popped up

cherry
cherry

did u turn off your pop up blocker it work for me. sign up for there emails the next time u log in should get the pop up. i have Wayfair ,The Limited , Express, Ny & Company, VIctoria Secerts, HSN, Overstock , Simply The Be, Brylane home,Marisota,changed the name to my JD Williams,Woman With In, Loft/Ann Taylor. don’t give up i started with First Permier ,Credit One Visa, Capitial One, Credit One Mastercard ,Best Buy Visa. thanks capital one and comenity for opening the doors for cards with no fees now i’m getting offers from discover all citi credit cards and different cards for cards . use your credit wisely i’m the other comenity i use them one or two times they increase those limits from 750 to 1000 who’s complaining but i must say i use vs the most. clear your browser history and turn pop blocks off . i use chrome ,but i got some using different web browser this should help.

Rebecca
Rebecca

I was just asked at Camping World about this. Said I was offered a card with them. I applied at check out and just before I checked out, I told the cashier my new address change. When he had me enter my information for credit check, he said more information was needed. I would receive a letter in the mail. That was Wednesday a week ago. I called Comenity Bank and asked why no letter stating what they needed. All I got was that they could see my application and that a letter was sent and should be in the mail any day. Oh, they claim it is because my address changed. I think I was denied but who knows. I have good scores, nothing bad, just low on accounts. I was just approved Thursday for a Cap1 Platinum card with $2000 LOC.

Rocko
Rocko

People make sure your address is the address on your credit report

TiffanyJ
TiffanyJ

This actually just worked for me. I didnt beleive it until I was shopping on VS and I decided to just try it and see. They told me I was pre-approved for a 350 credit limit, so I entered in my information. I didnt have to enter in my whole SSN, and I got approved, I’ve been wanting a store credit card to assist with rebuilding my credit but I didnt want to add any more inquiries to my credit because I do have a lot .This is awesome ! Thanks for the trick

Melissa

Can you use the shopping cart trick on your iPad or does it have to be on the computer?

michael
michael

thats sucks i just tried kirklands
denied with 672 transunion fico score
and have 6k total of credit limit
wffnatbank (welss fargo) hit 2 hard inqurie on my trans union
well who knows i might have on all three bureau 2 hard pull
thats insane how they do this horrible
what the hell they gain from those hards which hurt our scores un belevable reckless behavior against consumer WTF

Dawn
Dawn

Thanks for the information. I found that this does actually work. I’ve been trying to rebuild my credit and this information has come in very handy.

Pamela
Pamela

I did attempt overstock but it didn’t work i just hope it wasnt an hard pull. Victoria secrets and hsn worked for me

Sylvi
Sylvi

I used the cocomenity card trick. Soft Pull/last 4 of social only. Applied for too many @ one . They granted me two credit cards. The 3rd one -Victoria Secrets – Comeninty rang and. asked for my full social and i gave it. I was honest and stated i did not want a hard and would forgo the acceptance of the . card. They said “ok, well just to verify who u r and we will let u know when/if we send u the card.

Two weeks later, my two other approved cards arrived from Comenity. Upon calling to activate, i was told cards were cancelled. Issuance pays attention to NEW applicants and spotted the full social in connection with Victoria’s ❗They then immediately contacted Trans Union to report their cards issued to me as closed. So 1 hard and 2 closes via Comenity, cost me 13 points shaved off my credit score (all 3 credit Beureos)❗

Shyra
Shyra

I was pre-approved for an Overstock card, I entered my social by entering zeros until the last 4. Upon completion of the application, I received a message that my application was under review and I would get a notification by mail. Does this mean I was denied?

Dcntma
Dcntma

I got approved for 500 at King size and they said it was added to my account but no way of using it cause they didn’t give me a card number or any option to use it at check out

dreamroar
dreamroar

Nice post! First time to know this trick. Some people in Myfico reported HPs on some stores, it seems your list here gives all Soft pulls store. Good job! Hopefully Dillard’s will 100% be a soft pull and work for me. Considering to try it after I apply several normal cards next time

Zack
Zack

Did it with Victoria, Overstock, HSN and Express

Victoria Secret worked when with a account the rest worked by checking out as a guest.

Santosh
Santosh

For me , Victoria is asking for 9 digits of SSN with existing account…Am i doing something wrong . Let me try with a guest

Brandon Lee
Brandon Lee

Can someone please give me the step-by-step instructions for Overstock and HSN?

J R Y
J R Y

Call up on the phone to place your order….They told both my friend & I we were preapproved , would we like to get the card.This is for HSN. Of course you need to be placing a real order of something you really want, but , it worked for us.

JUDY R YOUNG
JUDY R YOUNG

My friend & i got our HSN card the same way also.

XP1
XP1

Did anyone try Dillard’s Amex and was successful?

What items and how much did you add to your cart?

Devon
Devon

I keep trying on different browsers, being logged in, not being logged in, etc and can’t get it to popup.

Gene
Gene

this is some next level shit. i like. though i dont personally have a need for this. very cool.

Devon
Devon

I don’t see it listed here but do in MyFico and other lists. The Marathon Visa. I can’t figure out where it would appear though unless when shopping their separate merchandise site. Anyone know and/or have success with getting the Marathon card this way? Thanks!

Miles per Day

William, great post. This is great for people who want to make payments through Evolve to dept store cards. Can you do a post on how long it takes department store cards to refund you an over balance and if any store cards really don’t like you doing that? I know it took my Macy’s card about 6 months before they refunded me my balance.

ZiggyZ
ZiggyZ

For a refund on a credit balance or overage that exists 9n an account, it’s usually 60 – 90 days, depending on the card.

This is done for accounting purposes and to eliminate possible confusion to the consumer and the rep you may speak to if you were to call in about it.

If it’s a card I don’t really use, I’d rather just get the refund. If I use it, just infrequently, then I’d rather the overage just sit on the account as a credit balance for my next purchase. I guess that also depends on how much as well. If it’s less than $20, I’d rather it sit on the account.

Marlon
Marlon

Thanks, helpful post as usual.
I was able to get the Overstock pop up and got approved for 5k with no hp.
Was wondering if anyone got Walmart to work?

River
River

I got the Overstock pre-approved pop up. It required my entire social security number. It approved me for 12k. I read in other forums that sometimes it requires the entire social security number and still is a soft pull. I guess I will know in a day or so if my credit monitoring alerts me. I sure hope it’s a soft pull.

Beccam
Beccam

The only one that has worked for me thus far is Walmart. It popped up, I filled it out, instant approval.

ZiggyZ
ZiggyZ

The Walmart store card goes through Synchrony Bank not Comenity unfortunately. If you applied for this card, it will be a hard pull.

Kim
Kim

How far did you have to go with Overstock?

JUDY R YOUNG
JUDY R YOUNG

Walmart sent my pre-approval letter through the mail.

Momma
Momma

The “shopping cart trick” worked for me with quite a few of Comenity Bank cards: Woman Within, Victoria Secrets, Roamans, Jessica London, The Loft, One Stop Plus, Brylane Home, Buckle, Express, The Limited, HSN, and a few more. I accepted several of them and turned down those with low limits. I did go to Overstock website a few times and the pop up never came for me. That’s okay, as I have enough.

Kisses
Kisses

Would you explain what you did to make the HSN pop up? I can’t get it, don’t know if I’m doing something wrong.

BLS
BLS

I didn’t know about this “trick” when it popped up on hsn for me however this is how I did it… There was one item I wanted to purchase and didn’t plan n shopping there regularly so I went to guest checkout. I was entering my personal debit card number when it popped up that I was approved. I accepted and charged it to my hsn card instead. Make sure your popup blocker is off. I was on my tablet when I did this and that wasn’t an issue.

Shonnie
Shonnie

Thanks so much. Went and placed in my CC info and got 3K. Not sure if that’s what helped it but it finally worked. 3months I kept the same item in my cart as well. I did change the item from a table to a watch then it popped right up. Hope this helps 🙂

ZiggyZ
ZiggyZ

@Kisses

Don’t waste your time with HSN or Overstock. Based on some of your posts ive read, it apears as though your probably rebuilding credit based on having some bad credit.

Just an observation.

If you jave any bad credit currently that is also still outstanding, that you still owe money on, more than likely you may not get approved for these cards.

But also from the sounds of it, that you’ve been approved for a couple of others, you’re off to a good start to rebuilding.

Hil
Hil

Overstock popped for me once I hit 610 with a few unpaid baddies.

Foxxy001
Foxxy001

Overstock is one of the easiest ones to get. I got the pop up as I was entering my debit card number but got a really low starting SL at $250. That was 6 mo ago when my scores were in the low 600’s. I recommend waiting for the cards you really want. Now, all of my SCT approvals are $700-$1500. If it’s a card that you dont see yourself using much or spending very much at once, go for it. Wait a few months for the cards you really want/need so that you get a higher SL. I was wondering why some people were getting approvals for thousands of dollars for Overstock and Wayfair and mine were so low. I’ve now had Overstock for 6 months I will request a CLI in early September and see what happens. Most Comenity cards will generally consider an increase after 9 months. I was approved for an Express via SCT in December 2016. My Express received a $270 auto-increase this month. From $500 to $770 so increases are possible before the 9 month period. I received e-mails from several of my Comenity cards asking me to update my income in April 2016. I assume this is a result of my updating this one. Though, it’s the only one I responded to. I pay $10 over the minimum each month because I’ve had to use it for gift purchases and I cant afford to PIF.

Foxxy001
Foxxy001

*correction, I meant April 2017

Ieasha
Ieasha

I constantly shop there so today as I was checking out it just popped up for me. The same happened with Victoria Secrets.

JUDY R YOUNG
JUDY R YOUNG

I got mine while placing an order on the phone.

Karen
Karen

Devon… I did get the Marathon has card this way. I only have the store card. Just google Comenity Marathon Gas Card. It only asked for my last 4 ss. It did not pop up that I was instantly approved. It came to my junk email folder later saying I was approved.

Devon
Devon

Thanks Karen, how did you access the application that only asked for last 4 of SSN? Any way I find the application page which is in the link below, it asks for the full SSN.

https://d.comenity.net/marathon/public/apply/Apply.xhtml

Jay
Jay

I would like to know the same. Maybe they changed the game.

Yumeng
Yumeng

I tried Victoria and total rewards credit cards. Victoria works fine, but I find one hard inquiry on Equifax for the total rewards credit card. They both asked for the last four digit of my social. It seems that the difference is that the Victoria will show a fixed amount of credit limit before I submit my application, while the total rewards give me a high credit limit after I submit the application.

ADRIANA

worked perfect for me in full beauty.com Thanks!!!

Jessica Brown
Jessica Brown

Would anyone having been successful with these stores ‘shopping cart trick’ be willing to share their credit score and/or FICO ( anonymously of course)? As a student starting out fresh in life, I have absolutely no credit/score, just a bank & investment account. Any advice is much appreciated!

Jay
Jay

Oh, lucky you! If only those were the only things I had applied for, I would be in great shape. Just take it slow with one or two accounts you can maintain.

Brenda
Brenda

It worked for me today! Opted in for coupons/mailers put my info(address name Dob) put items in my cart. Pre approval offer popped up for $250 and I was approved!! I’m super stoked. I wanted a store card as I’m rebuilding after divorce. Only $250 but super happy. THANK YOU! Don’t know my fico just CK equ 618 Tu 598

Beverly
Beverly

Jessica Brown I can give you some advice if you are still interested. You may private message me.

Shawn
Shawn

I got the pop up for Victioria’s secret. $250.00. I accepted and it gave me a message saying I will be notified in 10 days. Does that typically mean it will be declined?

MaryAlice
MaryAlice

The same thing happened to me…. What happened?

BeyondtheWrap
BeyondtheWrap

I saw that PayPal Credit is also issued by Comenity. Any idea if this trick works for that?

AJ
AJ

PayPal credit is through Synchrony Bank. I have it. Got it after I got their Old Navy store card, then got their Walmart store card after.

Nikki
Nikki

I have tried this several times and have never gotten a popup. Am i doing somethi by wrong? I tried as a guest and a registered user. My credit score isnt terrible so i was just wondering. Thanks

Jay
Jay

Same with me. I think it could be due to me opting out of credit offers recently. I opted back but still nothing.

Compeek
Compeek

I did the trick with the Overstock card and now I have a hard pull on Equifax. Your note says it shouldn’t be a hard pull even though it asks for the full SSN, but it looks like it might be now. Just wanted to add a data point.

Alex
Alex

Just worked on Victoria’s Secret and Sportsman guide !!! Awesome !!!

Tooite
Tooite

How did you get Sportsman guide to work?? I’ve been trying for weeks….how much did you add to your cart?

anisha
anisha

I recently got vs ,marisota , simply be, and full beauty and Jessica london scores are 563 tu 558 eq 575 ex. Shopping cart trick

Santosh
Santosh

Dillard is giving option but asking for 9 digits SSN . I did not apply , could it be a hard pull . I wanted Dillard as its amex .

Christina
Christina

I have been trying this for a few months now and tried again last night, pre approval for Marisota and Simply Be. Wish I could get this for VS and Express.

saj

Worked for VS and Full Beauty TU 575 eq 580.

anvernis
anvernis

I got for VS ,J.CREW EXPRESS LOFT, GEM(ZALES) AND A&F

Diane
Diane

How did you get it to work for zales?

Mikaela
Mikaela

I’ve gotten the pop up for JCrew, Overstock, Express, LOFT, Brylane Home, Overstock, and a ton others but I can’t get it to work for VS and it’s the only one I want! FICO 678. I noticed that while I get popups sign up for e-mail/discounts, I don’t get it for VS. Popup blocker off, tried with account and as guest, and nothing 🙁

Jay
Jay

Mikaela, I cannot get the pop-up to come up on any of them. With VS, I just applied on my own a few days ago, before I knew about the shopping cart trick. They approved me for a small amount, and I know my FICO is quite a bit lower than yours. I already placed my order and it’s been shipped. You can even use the credit to purchase gift cards. That is a plus!

Stephanie
Stephanie

I got the pop up for vs $250 for me and my hubby. Recently got pop up for express as well. My fico Tu 589 and eq 595. I also went into Walmart at in store check out and got $400 and jcpennys $300. Been trying for sportsman guide, hsn and overstock no luck. I’ll keep trying to see what happens. No hp on any of the ones I got either not even in store.

Tia
Tia

Does anyone know if this trick also works with Value City Furniture?

Jim
Jim

Paypal Credit (formerly Bill Me Later) HARD PULL on experian. They only ask for 4 digits but it is a hard pull. Shows up as ccb/bml

Kisses
Kisses

Smh. I have a hard pull to for trying paypalcredit. It only ask for last four ssn. Ughhh.

Melissa
Melissa

The Cart Trick does work!!!! I was pre approved for Express and Overstock.. TU 629 and Experian 600… I did not work for me with Walmart and Dillards.

Bridget
Bridget

Would anyone be willing to share their scores? I have been trying this for MONTHS in every possible combination and I have not gotten it to work yet. After really messing up when I was younger I’m repairing now and would really like a store card. Walmart today gave me the 7-10 message. I called to see if I could speak to someone but the CSR told me once it’s denied it’s denied.

Specifically, does anyone know the lowest score that’s been approved? Just wondering – thanks for your help!

warren

my eq is 609 and got overstock and express

Kay
Kay

@Warren I have tried over and over for VS, HSN, Overstock and Express. My Equifax is 621 but I cant seem to get any of these pop ups. My TU is 555 and Experian 581, but all my SP have been placed on Equifax, so I’m puzzled as to why… I get the sportsman guide visa pop up every time but keep getting the 7-10 day letter never to get anything in the mail. On top of that when I contact the CSR for Sportsman, they don’t even see an application showing that I applied, its like it disappears in thin air. Once CSR had me to apply while on the phone with her I got the delay for processing and letter 7-10 days and she still wasn’t able to see the application. This is very weird.

ZiggyZ
ZiggyZ
@Kay, The sportsman’s guide customer service will not be able to see if you have a pending credit application or not. If you applied over the phone with their customer service, they may be able to see the fact that you applied for a card, but only if you did it over the phone. However, they may also only have the ability to assist with a customer applying for the card, which it sounds like they did for you. If you received instant approval, obviously they see that. However once the representative submits an application on your behalf, and they receive a response of the 7 – 10 day notice, that’s it. Representatives will never receive a credit decision other than Approved, just about anywhere go, call or visit online. Even some supervisors at some lenders, like Capital One, are not able to see denials, unless they have access to another part of the system. Most people don’t think or realize about the fact that telling somebody they have been denied credit could be a potential big deal or legal issue. 1 being able to handle or deal with with customer push back, or an upset customer. But that’s just lip service from an angry customer/applicant. The potential legal ramifications of somebody telling you that you’ve been denied credit is a big deal and requires a representative to be specially trained with how to handle denials and conveying the message without creating a potential liability or legal issue for the lender. You get the wrong representative on the phone that tells you that you got denied for whatever reason, may try to offer you good intended advice or tips or speak on behalf of the company in a wrong way. It’s all a matter of interpretation. Just because it’s in English, doesn’t mean it’s understood as such. Telling a customer 7 to 10 business days to receive a letter with a decision makes a long story short, especially for the representative on the phone because that response to your application is pretty much open ended. You could get approved after all it just requires additional attention. However, most people already know that the 7-10 message typically means they have been denied, but since there’s no hint of the actual reason of the denial, there’s not much to say or do until you receive that letter in the mail. The representative,… Read more »
Kay
Kay

@ ZiggyZ, thanks for the advice, my only thing is I have never received any letters, so I really don’t know why they have or have not denied because there is no letter being generated all. If a letter was sent shouldn’t they be able to see that?

ZiggyZ
ZiggyZ

Also, keep in mind that regardless of the real reason for 7-10 business days, a representative will NEVER have access to your credit report or what may be so decisional/questionable about not getting approved.

If it’s obvious and you know on why you got denied, don’t waste your time any further.

ZiggyZ
ZiggyZ

Going back to my original post regarding a CSR from Sportsmans guide, if these are employees of the company itself, Sportmans guide, then no. It’s a conflict of interest because they have nothing to do with whether or not you are approved, and its none of their business.

If your talking about a CSR from the Lender Comenity Bank, then they should be able to see if a letter was generated and sent out to you in regards to your application, but wouldn’t have access to the details of the letter itself, as they don’t have a need to know. If nothing about their job entails discussing anything regarding the details about the ultimate credit decision, like a denial, then they would not have a need to know.

Regardless, at minimum the lender reps would/should have access to whether or not a letter was sent out. Or if it is a complete separate dept that deals with application status, then a CSR will not be able to see anything at all unless an account was opened. Otherwise, if you were denied, then they may have a dept specifically for applications.

So call Comenity, and when you speak to a CSR ask about application status again. If the person you speak to gives you the same issue, ask the if there is a dept that you can speak to regarding application status. keep in mind, this dept may not be able to speak to you regardig a denial, just acknowledge whether a letter has been sent out.

As far as not receiving ANY letters, with some lenders, the address you provide on your application may not be the address they send it to. If they have a reason to believe that your real address is somewhere else, then they will send it to that address. having a fraud alert or freeze on your CBR will cause that.

kay
kay

It was the actual supervisor of community bank. She was also no able to find an application or see one. They kept me on hold trying every avenue. I even have screen shots.. it’s weird, I have seen 1 other post on fico saying the same thing. Application no where to be found.

Sarah
Sarah

600 worked for VS,OS,FB and WF

Current credit cards Wmrt MasterCard, GameStop,Cap one,CreditOne, First Premier,kohls.

9/2015 Fico score 489 raised score over 100 point in less then a year by floating credit cards… Made many bad credit choices when I was younger and am now focused on rebuilding.

Mark Zhang
Mark Zhang

Worked for me at JCrew, HSN, Express, Overstock and Buckle. I really wanted A&F, also Pascun and Sprortsman Guide, but no luck at those three sites.

P.S. I actually only have ITIN associated credit history.

ky
ky

just got message “Thanks for applying for the J.Crew Credit Card. Your application is currently under review. You will be notified regarding the status of your application via regular mail within 7–10 business days” is that normal or gonna be declined?

AJ
AJ

50/50 shot

sap
sap

I got the application being reviewed, got the letter in the mail and it said call them within 14 days, called the same day, gave them my gross income again, and they asked some security questions, but I got approved. So don’t give up because you get the dreaded application being reviewed, you can still be approved. Mines was Victoria Secrets, and you can use VS at Bath and Body Works

Sandra
Sandra

Worked for me at VS, JCrew, hSN and Loft. TU is 557.

Gretchen
Gretchen

@Sandra thanks for posting your score. Although mine is only slightly higher than that I think it’s not working for me due to my address not matching my CR. There are addresses on my CR i have never lived at and one doesn’t even exist. Weird. It probably won’t work until the address matches. I’ve read that’s a factor and I’ve had ZERO accounts for more than 8 years. I just opened two secured cards though so I hope that fixes it.

Thanks for the info!

Kisses
Kisses

@Sandra my TU is currently 594 and I haven’t been able to get HSN to pop up. What were the steps you took to get it to pop up? Thanks for sharing.

Sandra
Sandra

You actually have to enter a CC number but not complete the order to get it to pop up. Hope this helps!

AJ
AJ

Still no luck. When I put in a CC number it literally goes to process the order. No links. No pop-up. I’m beginning to wonder if it doesn’t come up if the site offers PayPal. I’ll update if I find this to be the case for me.

Gretchen
Gretchen

@AJ – I tried this as well. Nothing. Nada.

Kay
Kay

I have not been able to get any of the pop ups for credit… Do I need to at least enter my credit card information as if I am going to pay first?

Gretchen
Gretchen

@Kay – No. The point is to get the soft pull without having to make the purchase. I suggest you check your CR to confirm your address matches exactly.

Kay
Kay

Hi all,

Tried on VS never got the pop up as a guest or by adding to the loyal program… Once I get to adding my address and payment information do I need to put my credit card info in as I am about the check out to get the pop up?

saj
saj

In my case it popped up as soon as i entered my address.

kay
kay

Might i ask what all or how much was in yout cart?

saj
saj

Two items under $50.00 total

Kisses
Kisses

@Kay, it should pop up before you put any credit card info in and right after you enter your address. The SCT for VS worked for me 8/1/15 and I got pre approved w/ $500 credit limit. I’m in the process of cleaning and rebuilding.

kay
kay

By chance can someone please post a pic of the pop up… I have tried several of these sites and none have worked.

Gretchen
Gretchen

There are a few factors that you need to have this trick to work. Your address has to match your CR EXACTLY or it won’t work. So check your CR and make sure you are entering it the same exact way. There is a minimum score needed but I’m not certain what it is. I’ve read other posts regarding the SCT with scores ranging from 550 on up so I guess it’s the luck of the draw. I’ve been trying to get this to work now for months with no luck. I’m rebuilding and looking for a couple of tradelines to boost my score. When pulling my CR I saw that my address info is wrong, but probably due to not having any type of credit for the last 8 years so I’m in the process of fixing that.

Hope this info helps.

AJ
AJ

Boooooooooooooooooooooooooo!
Everything matches, no pop-up blocker, decent credit score (I have open trade lines). It just works for some people and for others it just does not work.

Kay
Kay

Thank you Gretchen!!!

But yes everything matches… I moved 2 months ago but even changed the info back to my old address to see if that was the issue; still nothing. My mail is still being forwarded and I still have family at the old address, so I’m thinking that’s not the issue.

Gretchen
Gretchen

@ Kay – You’re welcome! Just make sure your credit report matches that address to the letter, Right down to the abbreviations (Street ST, Ave, Avenue). I believe this is for identity purposes and the soft pull has to match exactly. Put more than $100 purchase in the cart, use different browsers, clear your browser history, make sure YOU ARE OPTED IN for pre-screened offers (very important) and check to be sure your pop-up blocker is off. If it’s not you won’t get the pop-up. If you have opted out in the past you can opt back in but will need to wait a few days.

Most of all – keep trying!

If I have any luck EVER I will post!

Kay
Kay

One last question how do i make sure that I am opt in for pre-screen offers?

Gretchen
Gretchen

@Kay – http://www.optoutprescreen.com open this site in a browser and fill out all your information and check the opt-in boxes. That should take care of it. Takes a few days to process but you should be good after that.

Keep trying! Good luck!

Kay
Kay

@ Gretchen… Thank you!!!! I will keep you posted!!! Good Luck!!!!

Andrea
Andrea

just worked with VS ,instantly approved for $ 750 and paypal, but i did not get a message in regards to the limit.
Both asked for only last 4 of my social
Will see now ,if they were soft pulls.I surely hope so, because i really did not need 2 more HI
Will keep you posted 🙂
Still did not work with Abercrombie or Overstock

Andrea
Andrea

update : paypal 1k credit line

Kisses
Kisses

Have you noticed a hard pull on any of your credit reports for PayPal credit? I was denied and it was a hard pull even though they asked for last four of ssn

Kay
Kay

@Andrea did you get through as a guest or by joining? Do you mind sharing your score or a round about figure?

Andreea
Andreea

hi Kay.i am a paypal member for many years now.
And the update is that paypal did a HI on Equifax even if i only input last 4 of my social
.
Just got my creditkarma report.
-14 of my score
Yesterday i was TU 687 EQ667 EX 685
I ll keep you posted on the Vs.When i got the VS pop up i was checked in as a member

Kay
Kay

@Andrea, not sure what the issue is but I have tried several stores and never once seen a pop up for credit.

Andrea
Andrea

i know.these are the only 2 i could get it.
actually in paypal ,is no pop up , when you pay they ask you if you want to choose paypal credit ,and then take you to shis scree
but is a HI so not worthed,unless you don t mind the hard pull

Andreea
Andreea

Moderator,can you please remove my email from this post!!!
Only name was supposed to show
Thank you!!!

Chuck

I fixed this already, Will.

Kay
Kay

@ Andrea I really only want the VS, Express, and New York, but cant get any to work. Not wanting any hard pulls, just got approved for 2 secured cards so I know my credit is at least getting back to where I would like it TU went up to 609.

andrea
andrea

Eddie Bauer also worked yesterday for 250.soft pull
Can’t get any other to work 🙁

Hil
Hil

NY won’t work until you put your debit card number in the order form… same as HSN.

Brendag
Brendag

New York worked for me without the debit card and also my mom last week ….it took a few weeks after my VS and express approvals and I noticed my fico was a little higher not sure if that’s what it was. Overstock popped up once and I haven’t been able to get it back.

ZiggyZ
ZiggyZ
Brendag, Try using a different browser for New York. Or you could clear out your cookies and cache, close your browser completely down then try again. However, some SCT pop-up’so have limits on them to only provide the pop-up so many times. One of the reasons for this, is so that it does not become an annoyance. There a lot of people out there that don’t like pop ups at all. For the shopper that has no intention or want for one of these cards, go get irritated by constant popups. They don’t want to lose the the shopper and or they don’t want the customer to get confused. When you go to a website that has constant pop ups, most of them are advertising pop ups for another website or company. So to that effect, the pop ups could be getting tracked with-in your browser. Once the site has detected that you’ve received the pop-up, whether it was once or a couple of times, it’s not going offer the pop up again. Also, the website directly or the lender, could be tracking how many times the specific pop-up has been offered to you, based on just tracking your information alone. Again, after so many times of being made the offer, it won’t make the offer anymore. Kind of imagine it like a panhandler that asks you for change. Some panhandlers will take no for an answer the first time. Others, will ask you a few times, until they’re convinced that you won’t help them. Then there are others that will do nothing but continue to ask you over and over again, becoming a pest about it. Whether it’s on the same day for every day that you pass them. You may eventually get annoyed or uncomfortable enough to start taking another route to get to where I need to go. Or like going to a dealership to buy a car. You’ll have a salesman that may try to get your business once or twice. You try to tell him no because you’re shopping around. A good salesman will take no for an answer by the 2nd attempt with asking for your business. If he doesn’t, more than likely you will be deterred from going back there, hence risking losing potential business. In the case of the Internet, if you’re shopping around, you’re going to be going from one site… Read more »
Kisses
Kisses

I am new to the SCT. I have had some success so far though.
VS $500
Express $250
Avenue $250
Buckle $250

All of these were SP’s. Al these I will use. I also have two capital one platinum master cards that are in the credit steps program. I’ve had one since Dec 2014 and Jan 2015. Low limits though. I really would like HSN and a jewlrey card as well as one more actual visa or mastercard. It feels real good to be given a second chance at proving you can be responsible when it comes to managing your credit card accounts.

AJ
AJ

@Kisses:
I’m determined to make this work! LOL
Can you walk us through step by step what you did when the pop up generated?

kisses
kisses

@ AJ I made sure my browsers were clean, I use Chrome and made sure I can get pops. I go on the site, place an item or two or three in my bag, click on checkout. I checkout as a guest, type in all my information, my address the way it is on my credit report, click continue. After that the pop up pre approval would come up, then accept it.

Gretchen
Gretchen

Still can’t get any to work. My CS has shot up almost 100 points in a month so not sure what the issue is. When I logged on to Marisota there was a pop-up screen shown but it was blank so not sure what happened there. It works with Marisota and Simply Be as well. Checked the pop-up blockers so that’s not it. Might have to wait for another month to cycle by so that my cc’s are reported. So frustrating!

kay
kay

@Gretchen, I have not been able to get any to work… Are the stores looking for a certain credit rating before offering the pop ups you think? will try Marisota and Simply Be as well.

Kisses
Kisses

@Kay, try Marisota. It was the very first I tried after reading about SCT.

kay
kay

@kisses tried marisota via cell… at check out no pop up just a regular application to apply for credit came up… once i clicked on it I was asked for my full SS number so I didn’t try for it.

Kisses
Kisses

@Kay. It’s a good thing you didn’t fill out app. No need for a hard pull if it’s not needed. I just tried my mom’s info today and she got pre approve of $750 for VS. I only got $500. She is superstoked.

Kisses
Kisses

@Gretchen, Brylane ans Marisota popped up for me but I didn’t accept. The limits were $250. I may go back to Brylane though.

Gretchen
Gretchen

@Kay – I’m sure there is a minimum credit score but I haven’t been able to find out what it is. Mine are hovering around low 600’s and I’m expecting it to jump another 40 points or so this month as my accounts begin to age. I was SURE I had the Marisota one this morning and then the blank window disappeared after hovering there for about two minutes.

Let me know if you have any luck!

Andrea
Andrea

hi, i just got the popup for Marisota,but did not accept it
i ll do everything in 1 day later on ,so i don t lower my average lenght too much
TU 675 EQ 650 today

Gretchen
Gretchen

@Andrea – Thanks for sharing! Congrats!

kay
kay

Has anyone tried doing this via their cell phone????? Just asking

Andreea
Andreea

hi.yes,Eddie bauer,Marisota and Simply be all poped up on my cell.all signed into my account
Android system

Tonya
Tonya

I did Avenue on my cell phone Wednesday night and got a pre approval pop up for $250. I accepted because I am plus size. I can’t ever get Lane Bryant to pop up.

AJ
AJ

OK so here’s an update…
I started on the Marisota website. Looked around and a pop up for a survey came up almost instantly. I selected that I would do the survey. Put stuff in my cart. Went to check out. Had to register. Some box pops up and is completely empty. Let it sit for a bit, got frustrated and said screw it. Closed the site and did the survey. I went to SimplyBe next. Went through put stuff in my cart and a pop up box came up then went away immediately. The page refreshed and I was back to the “checkout securely” page. Scrolled all the way down to the bottom, after I put in my address info, and on the left (very discreetly) it said I was pre-approved. I clicked the link, new page loaded asking for date of birth, last 4 of SSN then income. Click the accept terms box, then the “approve” or whatever box activates and I click that. The page gets stuck. I tried this 3 times…same outcome!! I went back to the Marisota site and had the exact same outcome. Then…a stroke of brilliance!

I opened IE (I was using Chrome). Went back to SimplyBe and went through the whole process again. This time when I clicked on the “Accept and agree” box it re-loaded the page and gave me a credit limit of $200. I went to the Marisota site and did the same thing. Put stuff in my cart, started the checkout process. Since I’ve already registered, I put in my email and password, put in my address, and got to the payment screen. At the bottom are 3 tabs: My Marisota “you have been pre-approved”, Credit Card, PayPal. I clicked the “Apply now and save” link and new window pops up…clicked on “yes, I’m interested” and new page loads…asks for date of birth, last 4, income, click terms and conditions box, and then “yes, I’m interested” link lights up. Click link, Congrats you have $200 of buying power.

Feeling lucky, went to express website (on internet explorer instead of chrome)…no luck
Tried Overstock (I really hate overstock) … nada … even tried to just bite the bullet and submit an ap and got the “under review” message.

Gretchen
Gretchen

@Andrea – congrats! I got that blank box pop-up at Marisota the other day too.It stayed there for about two minutes and then disappeared. I actually really like the clothing at Marisota and Simply Be so I would use it.

So frustrated. I’ll keep trying but I get so annoyed!

P.S. I’ve actually had the blank pop-up on IE.I usually use Chrome but just for the heck of it I tried IE, which was where I got the blank pop-up.

Gretchen
Gretchen

@AJ- Tried what you suggested but no bueno. Still asking for full SS#.

Guess I’m just going to have to be patient.

AJ
AJ

I know what you mean.
I looked at my CR on MyFi and my experian dropped 7 pts from those “just bit the bullet” HPs. Eeesh. Patience is hard for me, but now I’ve definitely learned I need to wait and let them come to me.

Gretchen
Gretchen

@AJ – So get this…I get an email from Ebay about the item in my cart. A cell phone case for $4.99 that I do actually need. It’s been there for about two weeks and the item is expiring soon. I go to their new checkout page and there is an Invitation for Paypal Credit in a little tiny box under the cart. Curious, I clicked it and found it’s by Invite Only. The app only wants my last 4 digits of SS#. They offer $10 sign-up credit, blah, blah, blah.

Weary of this, I did some research and found that there are serious problems with this credit line.Not to mention that I’ve read it’s a HARD HARD INQUIRY. I’m kind of shocked I was invited, and I can only conclude that since I’ve been a member of Ebay and PayPal for over 5 years as a buyer and seller, I’ve been well verified with them.

I’m tempted but I’m steering clear. I don’t want to get myself into a situation I can’t handle although I know i’d use it because I do shop frequently on Ebay for all sorts of things.

Andrea
Andrea

Gretchen , yes, it is HI on Eq in my case
I got an 1000 CL , but they do not report to CB , they ONLY do the Hi and when you close your account.
Otherwise, they do not report anything else.
So , unless you don t mind the HI , you can use a high percentage of it , and deal with repaying in your own terms, as it won’t affect your % of credit usage.
On the other side ,they have a good deal now, no interest for 6 months if paid in full by then.
So , for me, as i shop a lot on ebay , it was useful at this point 🙂

AJ
AJ

@Gretchen: PayPal Smart Connect is the account I have with them that Synchrony Bank runs. So far I haven’t had any issues, outside of convincing merchants to take a payment via PayPal. LOL But everything that was on eBay that I wanted went through just fine. I haven’t received a statement from them yet, but I probably opted for paperless billing. I’ll probably go pay the account off on Thursday. It’s always good to know how long it takes for them to process payments.

CJ
CJ

I have a 7500$ CL with paypal and I have never used it.. I actually hate it as it gets in the way at ebay checkout at times. It is pretty much worthless and doesn’t even show on your reports because it is a Hidden CL… I never signed up for it, never gave them my info… just one day had it and if they did a HI it was over 6-7 years ago so I have no way to see.

stupid paypal… I friggin hate you you paranoid bunch of SOB’s… Verify your identity 3 times just to check out once… Pretty sure if the person that stole my identity can verify once using my phone… the extra 2 times isn’t going to do crap to stop them, it just annoys the heck out of me!! Yarg Rant Rant Yarg….

Kay
Kay

Hi all…

I have a fraud alert that i placed with all 3 credit breaus about 8 months ago when i noticed that there was 2 credit cards issued in my name that i didnt have… is it possible that even though now that the cards have been removed for fraud that it could cause issues while trying to use the SCT???

Gretchen
Gretchen

@Kay – That could be. Are your reports frozen? I would check that out because that could have something to do with it.

kay
kay

@Gretchen… no its not frozen just a fraud alert where they would call me via phone to verify that indeed it’s me trying to obtain credit.

Kisses
Kisses

@Kay I had a fraud alert when I applied to Fingerhut a few years ago and they called me to verify some information. Which reminds me does anyone have a Fingerhut account and is it a hard pull? They sent me a catalog with pre approved credit asking for my full ssn.

kay
kay

@kisses.. I got approved for 2 secured cards and they contacted me… but I’m thinking that’s why I haven’t gotten any of the popups.

Gretchen
Gretchen

@Kay – I have a Fingerhut account, And yes, it’s a hard pull, but in my opinion it’s worth having as it reports as an installment account. The merchandise is a bit pricey, but if you are rebuilding I think it’s worth it. It gave me a 40 point jump. Just use it wisely and then when you graduate from the Fresh Start program they raise your CL. Up to you, but I think it was a good decision for me. No annual fee, low monthly payments, etc. Hope that helps.

Gretchen
Gretchen

Whoops ! @Kisses that Fingerhut info was meant for you, or actually whomever finds it useful.

Kisses
Kisses

@Gretchen thank you for the Fingerhut info. I need a 40 point jump. Which credit bureau did Fingerhut pull from? If you say it’s worth it then I will go ahead. Will it bring down your utilization?

kay
kay

@Gretchen does Fingerhut give you a 40 point jump right after applying? I know when I applied for the First Progress card the same day it gave my Credit a 50 point lift.

Gretchen
Gretchen

@Kay @Kisses – As long as you keep the utilization under 30% it should be a huge help. They started me out with a VERY low credit line of $230. I ordered a coffeepot for $60, and made the required $30 downpayment, The payments are next to nothing. Here’s the thing, though. In order for this to report you have to USE it. I’ve had this since Feb of this year and couldn’t understand why it wasn’t reporting. As soon as I placed the order and the 30 day trial period was up, it started to report. Wish I had known that in Feb as I would have used it right away. I’d be in much better shape now, Oh well.Live and learn.

They pulled EQ initially but are supposed to report to all three. When my CK updates I’m going to look. So the 40 point jump didn’t happen until after it started to report. I also opened two secured credit cards, Cap1 and Merrick Bank and so far so good. 100 point jump in 30-45 days. Now it’s time to let everything age.

Keeping everything as far under 30% util is key as well as age of accounts. I’m curious to see if the SCT will begin to work soon, as now I’m sort of obsessed with it 🙂

Hope this helps!

Kisses
Kisses

Thanks Gretchen! I will do the fingerhut this week using my customer # on my catalog. I just received my VS card in the mail yesterday. I am waiting on my Buckle, Express and Avenue card. I have two Captial One unsecured credit steps program. I think my first guaranteed CLi happens this week for one of my cards. In the meantime I’ve been trying to get some negative items removed from my CR’s. But yeah, I love the SCT. Too bad all of them don’t work. There’s a very long list of Commenity cards. Btw how did you go about getting your secured cards?

AJ
AJ

@Kisses:
I’m still waiting on my VS card. The SCT did not work, but I did a hard app and got approved via mail. That was 7/30. I called b/c I hadn’t received the card yet and the lil fella told me that they processed my new card on 8/03 so I may not get it until the 17th!! I’m uber bummed b/c they had an awesome sale over the weekend and I missed out. They don’t give your account number over the phone.

AJ
AJ

@Kisses
Forgot to update y’all on the good news. VS card finally arrived in the mail today. Double points through tomorrow I think.

Gretchen
Gretchen

@Kisses – I did some research and looked at what Credit Karma recommended for my situation, I applied via their respective websites. Actually with Cap1 I used the prequalify tool first.

I too am working on some very old bad stuff on my report as I’ve neglected it for too long. My student loans were in default, but I just graduated from the Dept of Ed’s Rehab program after 10 months of on-time payments and that was a HUGE boost. The rest is little stuff that is totally fixable with diligence and responsibility.

The nice thing about the Cap1 Secured card is that it reports as Unsecured. That is a plus. I didn’t qualify yet for an unsecured Cap1 card, but in time I will. I wonder with the Holidays right around the corner if the Comenity cards will be more accessible as they love to promote them for holiday shopping. I would love to have a JCPenney and a Walmart card as I would actually use those. But for now i’m just building. This will fix itself in time as long as I stay on top of it. There’s life after credit blunder but it takes work and dedication.

Good luck to us all!!!

kay
kay

@kisses, I applied for the Credit 1 Card 2 weeks ago and paid my secured card amount of $200 last Friday. I’m just waiting for my card to come in the mail.

AJ
AJ

@Kay:
I LOVED Credit1 when I had them. They were great. I could call them and tell them I wasn’t going to be able to make my payment and they’d do a post-dated check by phone. I hate that I didn’t take the credit card protection with them. If I had, I’d still have them because I would have had that safety net when I lost my job. So they’re solid.

kay
kay

@AJ… thanks for tge heads up… im going to check to make sure i have that protection.

AJ
AJ

@Kay, definitely. If anything happens and you end up with them closing the account, you can never get them again. Everr.

Kisses
Kisses

Does anyone have a Kay’s Jewelry account and/or Jareds account? If so, what was and is your experience with them?
Thanks for the info.

Brenda
Brenda

I applied for a Kay’s a month ago. Myfico was 612, had dropped from opening a few new accounts with SCT but at the time of app it was 612. I believe they finance through Sterling. 5 minute app for a watch purchase of 600 and was approved for 1500. She told me I was approved for 2000 but it ended up being 1500. They offer 0% int if you give 20% down otherwise around 26% or 28% I believe.

ZiggyZ
ZiggyZ

Was Kay’s a SCT or in store? Was it a HP or SP?

Dana
Dana

I also have a Jareds account… Only 330 CL but it’s a start…I will only use it for my Pandora bracelet any ways… However my mom has a Kay and they gave her 8000 CL

Gretchen
Gretchen

@Kisses – Great question – I’ve been reading about them for awhile. Apparently they do their own financing and are quite generous with CL’s, especially rebuilders. I’d love to hear anyone who has experience with them. Every comment I’ve read really gives them thumbs up. I’ve just been too afraid to bite the bullet. Rejection sucks esp when it results in a HI.

Sorry to take over the board. I’m just struggling to rebuild and let it go for way too long. Now I have 0 patience LOL.

AJ
AJ

@Gretchen & @Kisses:
I applied with Kay. Denied. Didn’t apply with Jared. Kinda crushed after the Kay denial.
I wanted to also comment on the Fingerhut account thing. I got approved for a small limit with them but haven’t used it. After reading your post, I just might.

We should start a blog to talk about all this stuff: where we applied, our FICOs when we applied, were we approved and if it was a hard pull or if the SCT worked. I know there’s that MyFico forum but it’s kinda hard to search for stuff “efficiently”. With a blog, we could keep a table updated or something and make it easy to access.

Oooh, and give them (these stores) a REAL consumer rating system. LOL

Cheryl
Cheryl

Applied for it today…I have a 642 credit score…..most places said they approved most of the time with generous credit lines….apparently, I am the odd case, because they put my app under review for an hour and then ultimately denied it. I have a PILE of credit cards (most of which are not being used) and an auto installment loan through a credit union. Haven’t missed a payment EVER or been late. I am really ticked off about this, but, it is what it is.

ZiggyZ
ZiggyZ
@Cheryl, Assuming you have no Late payments, and have an established Credit History longer than 3 years; the fact that you have a pile of credit cards that are not being used would be a good reason that you would have a lower than expected score, and also a potential reason for denial. I know it sounds like a catch-22, but you have to demonstrate your responsible with these cards by utilizing them. Some, use them once a month for a Gas purchase, another one for groceries and another for another type of purchase. Then take the Cash that you have in the bank that you would have used to pay these expenses and either hold/keep it in the bank. Or if you don’t trust yourself, just transfer it to a different account. Then once you receive the statements for these cards, pay them in full. The fact that you may have a portfolio or variety of different types of cards is good, but not using them can be detrimental. Lenders will view you as a high risk because you are not demonstrating that you can handle or manage that much/many credit cards, regardless of their limits being low or high. Assuming they denied you for this reason, they have no reason to extend you credit when you are not demonstrating responsible borrowing. It goes both ways. If you don’t use them, it’s not good, but if you max them out (Always near the CL), even if you pay on-time and paying the minimum payment, is High risk. So as you can see responsible borrowing/lending goes in both directions. Also, having a zero balance with no activity on several cards, for an extended period of time is a red flag as well, but not what you would think. It’s a Red flag because they are not making any money off of you. There is no point to extending you credit, if there is no possibility of turning a profit. This is why some banks will lower your Credit Limit. They may not cancel the card, because there may be potential to make money on you, but not clear reason to give you a nice Credit limit, when they could be providing it to a mor profitible customer. Also, not using your card for an extended period of time may cause a lender to close your account as well. Again, the… Read more »
ZiggyZ
ZiggyZ

Merchants who provide their own financing, whereas they are the underwriters and are the creditor, typically offer the best terms and/or are easier to get approved for. They stand the most to gain ad they are making money off of you twice. Once on the purchase itself, and secondly, residually each month you pay your bill.

Kisses
Kisses

@AJ great advice! By all means go ahead and start a blog. I haven’t the slightest idea of where to begin. I am so glad I found this site. You guys have been very helpful and informative about your situations. Any good helpful advice is welcomed. I’m also glad I stumbled across this site.
I thought Kay approves scores in the high 400’S from other posts I’ve read.

AJ
AJ

@Kisses:
The denial letter said something about my bankruptcy and the lack of positive credit since. I filed in 2006 and it discharged in 2007. My lowest score is 580 according to MyFico. Somebody sent me a denial letter saying it was 503 which is very strange.

ZiggyZ
ZiggyZ

You mention Lack of positive Credit. Do you not have any CC’s. Or maybe you have just one?

Gretchen
Gretchen

@Kay @Kisses @AJ- I’m SOOOOOO glad to hear you a good experience with Credit 1. I was scared to death after reading some horrible experiences with them. But on the flip side, I read just as many great reviews as well. I did bite the bullet on that one. Because it’s a true unsecured card for rebuilding, the AF kind bites but you win some you lose some until your situation is better. The APR is kinda high, but that’s the price we pay for messing up in the first place so, it is what it is. They mailed my card yesterday. I plan to use it like I am my other two and paying the transactions as they post and it’s working well for me. I won’t be able to avoid interest because there is no grace period for purchases but, again, it is what it is. I’m feeling good that I’m on my way to rebuilding a solid financial future now.

Thank you all for your comments and help. I, for one really appreciate all your input!

Andrea
Andrea

Hi all,
I got the Credit One card 2 months ago, did the pre approval online.
300 CLI , paid 2 times until the first statement , when thei gave me CLI for $100 without asking.
Is not a card to use for large amounts , and it needs to be paid right away ,as there is no grace period.

But otherwise,very smooth, payments post the next day ,and they report accurately to all 3 CB , right after the statement issuing

So , for rebuilders only !!, great card

Gretchen
Gretchen

@Andrea! Thanks for that input. I was worried about this one, but I plan on using it for small purchases and paying it right off like I am the other two. No grace period really isn’t optimum but it’s a tool to bridge up to the next level. Great info on the CLI! Good to know!

Dana
Dana

I have a Credit 1 card also… 400 CL had it for about 2 months… No increase yet tho… Still a great card to rebuild.

Diane
Diane

Is the credit one an hp, even if you are preapproved?

ZiggyZ
ZiggyZ

CreditOne will offer to do SP for pre-qualifying. Then if you want the card, it is a HP.

Watch out though, Credit one is like the brother to 1st Premier, just much cleaner looking. Both cards are fee based. There is an Annual fee, monthly fee, AU fee, CL increase fee, etc. They can be good for rebuilding, as they will give anyone a card. Just as long as you don’t have any bad blood with them directly.

However, both cards are predatory. Sure they help people who don’t have good credit, but take advantage of a persons misfortune. By charging a fee for everything.

Then again, at the end of the day, it’s a personal choice to get the card and agree to the terms. If you call every year when they charge the Annual fee, they will offer to credit back $40.

Gretchen
Gretchen

@AJ @Kisses @Kay – I have found that scores can vary widely and that each place uses a different scoring model. My scores are from 587-618 as of right now. My Cap1 statement just posted so I expect to see a change in the next few days. I use CK, Credit Sesame, and Credit.com. they ALL say something different. And my Cap1 Credit tracker says 537, until it updates in two weeks and Cap1 goes by TU.

FYI, there is also a store called Gettington.com which is owned and operated by the same company that owns and operates Fingerhut. Same merchandise, plus some more, but the prices are better. Same looking website, same payment terms, etc. But I’ve read some HORRIFIC reviews so I’m on the fence. Fingerhut has worked so well for me, I just don’t know. Anybody who wants to try it out feel free and then if you could, report your experiences here!

AJ
AJ

@Gretchen
You’re not kidding about the scores being all over the place. On MyFico, you can see all 3 bureaus and the different variations of credit scores. Like the ones they show are Fico8 but a creditor may pull a fico4 or something. MyFico shows you all of those. But I’ll put a list of sites and descriptions on our blog. What should we call it?

Kisses
Kisses

@AJ Finally a blog. I am so thankful for these informative forums regarding anything dealing with credit and trying to help people get on the right track. Its most helpful knowing you and I arent the only ones dealing with this because there is a light at the end of the tunnel. As far as a name for the blog, my mind is still discombobbled from watching the season finale of Pretty Little Liars!

Gretchen
Gretchen

@Kisses @AJ – I, too, am grateful for this forum. I’ve learned quite a bit and now with the credit industry getting ready to yet again shift the way they score, it’s going to be neverending. Everyone’s input helps, that’s the beauty of this. Thank you all!

Gretchen
Gretchen

@AJ – I know right!!! There are literally hundreds of scoring models and your report can change several times a month depending on when your cc companies cut their statements. I have been reading A LOT over the last few months and I’ve gotten quite an education. Then I feel like an idiot because I wonder how I’ve gotten this far without knowing any of this stuff!!!!

Blog name??? I’m gonna think on that one – what a great idea!!!!

Kisses
Kisses

Gretchen I’ve tried to access Credit sesame but the site couldn’t identify me for whatever reason, go figure. I didn’t bother anymore with it because it’s another FAKO anyway. I pulled Privacy guard beginning of May. It showed all three scores which were of course different from CK, CR.com and of Credit tracker from capital one.
As far as Gettington, I’ve looked on their site and they aren’t as pricey as Fingerhut. Since FH already pre approved me then I will try them out at some point.

Kisses
Kisses

One Main Financial keeps sending me these pre selected invites, not pre approved. These have been coming in the mail for several months, I just toss them. While I was looking over my TU credit report I did see where One Main did a promotional on me so I guess if I were to take them up on the offer they would HP TU. Has anyone else received any invites from them?

Kristina
Kristina

My husband works for CitiFinancial and they are being bought out by OneMain Financial. He works in the collections dept and says that they approve pretty much anyone, so if you actually got a preapproval I would say your odds are pretty good. I think even with the promotional ones that has an actual promo code on it vs just an advertisement type one are pretty ok odds.

Kisses
Kisses

One Main only sent me a promotion saying I was pre selected to receive $6000. Not pre approved. I would never get that much with them. Their reviews haven’t been to nice.

Kisses
Kisses

Sorry for the long post. Wanted to share something with my new found SCT club…hahaha

I did a dumb thing tonite because I had an itch, I went out on a limb and applied for a Barclay Rewards Mastercard for Fair to Good credit. Got denied of course, waiting on my denial letter in the next 7 to 10 days. They pulled TU which now I have another inquiry. Eeeekkk. In the meantime CK updated for me sooner than expected. My TU dropped two points because of inquiry and my Equifax upped six points because of two SCT cards I recently got which also bought my utilization down. I looked on my report and saw where Commenity soft pulled from Equifax for the SCT cards. I wonder if they will report to the other two credit bureaus as well. Also CK showed two collections that were removed. You would think with those two removed and two more tradelines added my score would have jumped more than six points.

With this being said, I am not applying for anything else for a while although there is still that FH preapproved account waiting on me. I am still waiting on my preapproved for Credit limit increases from Capital One with the credit steps program. I think this will not be until the Sept and Oct statements come out.

kay
kay

Hi all… just a question, is it best to pull credit scores from the actually credit bureaus in order to get an actual correct score?

Kisses
Kisses

I would try the actuall website only if they have a free trial period and you only have to pay $1. Make sure you cancel before the trial period ends so they will not charge your cc those monthly payments.

Gretchen
Gretchen

@Kisses – Don’t beat yourself up too much. It’s a learning process and we are all learning through this process. Funny, I was reading about the Barclay Rewards MC tonight because CS recommended it for me. Well. I’m glad I did some reading. The glowing reviews we read are all pushed to the top. It’s the ones towards the bottoms of the page I pay attention to. Essentially, anything less than a 720 is pretty much a no go. They also like to see age if your score is below the magic number. Just keep in mind, all these credit reporting sites receive compensation to endorse these cc companies so they push them. It’s up to us to be a smart consumer and do the research. I’m learning some hard lessons myself, but slowly I’m climbing back up. I think the FH is a good idea because it will give you some variation in your mix of accounts because it reports as installment payments. If you’ve got CLI’s coming that should help as well. Don’t worry, the few points you lost will be regained shortly, just have to be patient. Speaking for myself, patience is rough.

We will get there! Don’t give up! This is all going to pay off!

Kisses
Kisses

@Gretchen I feel bad instead of having that inquiry for Barclay it should have been for FH. Ughhh. I dont want to get insane with the Hp’s. Ive read where some people have tons on their report and still have decent credit scores and cards, go figure.

AJ
AJ

+1 @Kisses

Gretchen
Gretchen

@Kisses – I know. Because there are so many scoring models, some companies give HI’s heavy weight, and others not so much. So confusing.

AJ
AJ

@Gretchen & Kisses
I applied for the Barclays reward MasterCard on a whim. Ok so it was more like an app bender. Anyway, I got approved.
Here are my scores…
CK (credit karma): TU/558, EQ/549
MyFico (all Fico 8): EQ/570, TU/642, EX/627.

Barclays pulled TU, Fico 8. At the time it was 634. After, 642. They also pulled EX which was 627. But by then I had been approved for my VS card. I don’t know which bureau comenity pulled. For pier 1 it was EX, and for overstock it was EQ. I know I applied for the Barclays card like a day or two after I was approved for the Cap1 Quicksilver 1 (got an invitation in the mail).

Aww man!! I totally forgot that it depends on what state you live in. Check out creditboards and go to the credit pulls tab. Scroll to the bottom and put in Barclays rewards and search. See what the variance is.

Kisses
Kisses

@AJ those are good scores though. Congrats on Barclay. I checked Experian credit tracker, 617 right now. I need three of my medical collections to be removed on Experian. Avenue and Buckle will be added maybe this week. VS and Express were added I see.

Gretchen
Gretchen

Congrats!!!! That kinda shoots down the theory of the 720 magic number then. How long is you AAoA?

Gretchen
Gretchen

@AJ – Are you paying monthly for MyFico? Their rates are little pricey…Just curious.

AJ
AJ

@Gretchen
I am. There’s always a coupon code online for them so I use that to start off then put it on my CapOne QS1 so I have a recurring charge. I pay $30/mo for the 3 score report.

Gretchen
Gretchen

@Kisses – I understand. Just have faith. I did the same thing not too long ago with the same result. Nothing we can do about it now. Hopefully with the FH you’ll get a decent CL right off the bat which will help quite a bit.

kay
kay

Blog…. Credit Rebuilders????

AJ
AJ

@Kay…
The perfect name just came to me. I’ll work on it tomorrow and post the link. But to gi e you a hint, think about words that describe all of our experience with credit. It’s going to be great!

Gretchen
Gretchen

@AJ
Can’t wait to hear it!!!!

Kay
Kay

Hi All,

So I found out that Equifax had placed a File Blocked For Promotional Purposes on my account and even though I opt back in a week ago it still remains… I will contact them to get this correct and let you all know if any of the sites work for me.

Gretchen
Gretchen

@Kay – Holy smokes! I kinda had a feeling it was something like that. Hope it works out! Keep us posted!

Gretchen
Gretchen

Whoa! I missed a lot last night! Thanks everybody for sharing! And congrats on the new cards!!! I am unhealthily obsessed with this SCT (hangs head 🙂 ) Anyway, I’m not giving up till it works SOMEWHERE!

Funny blog name “It’s CREDIT Bitches! There is life after destroying your credit…” Or “The Girlfriends Guide to Rebuilding Your Credit”. Sorry 🙂 I’m punchy today after driving all night. Those are just silly names but I’m serious about doing it. This info and the input from everybody has been invaluable to me!

Can’t wait to hear today’s adventures- “Dude! Where’s My Credit?” LOL

Kisses
Kisses

@Gretchen @MySCT friends. The Girlfriends guide to rebuilding credit sounds good. I still haven’t had time to think of a name. But the sooner the blog can go up the better
This morning I received an email from Equifax, my dispute is complete. I’ve been trying to view but t he site won’t respond. CK had shown last night that two collection items were deleted. Yay! if this is true.

Gretchen
Gretchen

@Kisses
Fantastic news!!!! I was able to do that too with a couple of old baddies. Every little bit helps! Great job!

Kisses
Kisses

Do you know how many points your score went up?

Gretchen
Gretchen

IIRC it was about 10 points. Small, but I’ll take it!

Kay
Kay

Ok all,

So, I have contacted Equifax to have them remove the File Blocked For Promotional Purposes from my credit report, seems like they were the only bureau with that on there’s. Question… I was wonder does most of the stores review Equifax when determining if they will give you the pop up or not?????

Kisses
Kisses

@Kay. I noticed on my Equifax soft pull section where VS, Express, Buckle and Avenue. Nothing on TH and I don’t recall seeing anything on Experian.
@AJ did you get an instant approval from Barclays and what limit did they start you out at?

andreea
andreea

@ Kisses
where did you see your soft pulls on Eq report?
did you get it from them directly?thanks

Kisses
Kisses

I think it’s under the heading, inquiries only you can see section.

Kay
Kay

@Kisses… Ok Equifax is the one that had the block so hopefully it wont take to long for them to update this information. Once I can see that it has been removed via my CR I will try VS again, because I really think that was the issue… Hoping for the Best!!!!!!!

AJ
AJ

@Kisses
I did get an instant approval for $500. I’m pretty sure I saw the card on the MyFico forums and went to their website to see which cards they offer. I can’t really remember though.

Gretchen
Gretchen

@Kay
go to creditboards.com and click on the creditpulls tab. You can look up by individual creditor and State where you are located. It will tell you which creditor pulls which CRA.

Kay
Kay

@Gretchen… thanks a bunch… On MY Way!!!!

AJ
AJ

@Kisses & @Gretchen
Update on credit card payments and posting thereof…
I made 3 payments yesterday online via electronic check (i.e. went to CC website and added bank info and submitted an EFT payment)
CapOne (Platinum and Quicksilver 1) – Posted last night, reflected in available credit today.
Barclaycard – Posted yesterday after 8pm, reflected in available credit today.

Gretchen
Gretchen

@AJ – Awesome! My payments post within 1-2 days with Cap1 and with Merrick Bank takes about 3 days. FH took longer in the beginning, but now that I’m established with them it takes about 3 days to post. I use their websites and use either direct EFT or debit card. Working out well.

Great news!

Kisses
Kisses

Good aftenoon. At work and decided to lool on CO and noticed my Equifax score has shot up from 538 to 593. I still have two cards that aren’t reporting yet from the SCT. My captial one balance decreased but not by much, I’m too ashamed to say. Lol. Last night CK had EQ reporting at 532 to 538 then this morning it updated again. Baby steps and I am glad. Way more to go!

Kay
Kay

@Kisses, Can you tell me what site you are using to see if your credit rating has changed. Are they charging you a daily fee? Do they change your score daily? Are you able to check each day for an updated score without paying each time? Which company is best to go by if anyone knows, I know normally each has different scores.

Kisses
Kisses

Kay I looked at Credit Karma. It’s free. The site does update TU and EQ. Of course the scores aren’t exactly correct but the thing I look at is my scores are coming up. Now Credit Karma does let me know if and when a hard inquiry hits or if accounts are added or removed. I
Also if any changes to your report are made. I thought it only changes on a particular day but apparently not, I guess whenever something affects your credit report. I also did a trial $1 period with EX site and it shows my score. TU also has a $1 trial period as well to view your score and report from their site. Credit Karma is okay and it doesn’t charge. How have you been keeping up with your score and reports???

kay
kay

I paid for my reports and am disputing items now. … my credit score came at the bottom of my approval letters for the 2 secured cards i got.

Kisses
Kisses

Kay are your scores different from the scores listed on credit karma? Good luck disputing. Equifax and Experian are buttholes when it comes to disputing. These collection agencies are a piece of work too.

Gretchen
Gretchen

@Kisses – Nice !!!! Way to go!!!!

Jenn Delgado
Jenn Delgado

I have just recently heard about sct and have tried over and over on VS….nothing..UGH
My kc is 536 and 534 . I have told myself my score is just to low and that’s why I never ever get a popup. Which has made me upset…grrrrr. I am desperately trying to rebuild but can’t get the popup ever. What do I do to get a popup or can someone tell me how to rebuild if No one will take a chance and give me credit?
Is there anyone with the same situation that is being able to get these offers tell me where and what to do? Please

kay
kay

@AJ…. just fir thought… Credit Come Back, as another name…lol

AJ
AJ

@mySCT ladies…
Blog is up. Shell but it’s something.
It’s Credit Boutique dot Club

Kisses
Kisses

I can’t locate it. I need a link to click.

kay
kay

@Kisses… Credit Karma wanrs me to mail in a copy of my DL as well as a bill ti verify its me… i have 1 company in collections reporting 2 times on Experian so the rep did request the duplicate to be removed… i will have to most likely go the credit bureaus to get my scores.

Kristina
Kristina

Hi, I just found these comments and you ladies have a lot of good info! I wanted to add about credit karma…. if you wait a few days and retry signing up they will just ask you the verification questions again, giving you a chance to get them right. I answered one wrong the first time and didn’t want to go through faxing dl etc. So I waited a bit and tried again then it worked. I’m new at rebuilding my credit also and have almost become obsessed with getting the SCT to work as well as reading tons of forums. Credit Karma is cool because it has a lot of good comments about what works for other people in similar situations.

Kisses
Kisses

@Kristina glad you found this site. Have you had any luck with the SCT? Do share? Also what processes are you taking to clear up your credit reports? Any suggestions or tips are welcomed

Kisses
Kisses

@Kay. Yes the initial dispute you need to send a copy of your driver license and a copy of a bill with your current address.

kay
kay

@Kisses… Sending today… its not for the dispute though… I dispute with each actual credit bureau. CK says they need it to verify who I am in order to be able to show me my report or scores on their site period… Never had that happen before, but I appreciate their precaution.

Gretchen
Gretchen

Tried Marisota again this morning. NOTHING!!!!!!!!!!!!! Starting to think it’s my address. Fingerhut had my old address and reported it as such before I could change it. All my other cc’s have the correct address. I think the confusion is why it’s not working. It seems as though my scores are high enough for SCT to work so the only thing I can come up with is the address debacle.

FYI Merrick Bank reports the minute you open the account, It’s a secured card and it reports as such but it gave me a 40 point increase immediately.

kay
kay

@Gretchen… I thought about applying for the Merrick Bank card but I read reviews that stated… This card DOES report as a secured credit card to Equifax and Transunion, however on Experian it doesn’t…. From your research have you gotten the same response? Does it report as secured?

Gretchen
Gretchen

@Kay – Yes Merrick does report as secured to TU and EQ. Currently checking on EXP.

Gretchen
Gretchen

@Kay – Merrick just reports as “Credit Card-Open”. Nothing showing as to secured or not. I did notice that my Cap1 is not reporting there yet. EXP shows my score as 568 today. Different than every other report I’ve gotten LOL.

Kisses
Kisses

@Gretchen I am planning to start working on my EX again. I have three negative accounts on there. I’m still waiting on results from Equifax and TU. Hopefully at the end of the month if not sooner. Are any of you using Sample letters with your disputes? Please keep us posted on your strategies and outcomes. Disputing to get negative accounts removed is just as good as establishing credit with new credit cards, SCT too.

Gretchen
Gretchen

@Kisses – Yup. I’m not using sample letters, as I’ve been doing them online, but now with the address confusion, looks like I’ll be doing them in writing. I’ll keep everybody posted!

Kisses
Kisses

My mother is now addicted to the SCT. But….she doesn’t own a computer. I got her started by applying for her a VS card w/out a HP and she was thrilled. I’ve since got her J Jill $750, Brylane $700. Her VS is $750. I told her that’s all she is getting for now as far as store cards. She needs a started visa or mastercard. She is wary about HP’s so hopefully she will get some pre approved offers in the mail now.

Gretchen
Gretchen

@Kisses – Good for mom! I know the feeling. Wish I could get at least one of them to work. As far as Visa’s go, the SCT trick works with the MyPoints Visa, Virgin American Visa as well. Just register, etc, etc, No HP I believe.

Kisses
Kisses

@Gretchen I’m actually registered with My Points Visa but I haven’t seen any pop ups. Maybe my score isn’t high enough. Did you get the visa the first time you signed up? Maybe I missed a step. What was your Cl and your score?

Gretchen
Gretchen

@Kisses – I don’t have the MyPoints Visa, but I am registered and do the surveys. I’ve read that it’s kind of hit or miss, but that if you log in every so often, if your score is high enough it will auto prompt that you have been pre-approved. Don’t think my scores are quite there yet, but I’m working on it.

Gretchen
Gretchen

@AJ – Super cute blog! Awesome job! I’m on it already ~~~~~

Kisses
Kisses

Hi everyone. Any new updates or good news today?

Gretchen
Gretchen

Kisses – Hey ! Nothing from me. I’m so deflated from this. Tempted to just go ahead and apply but I know I’ll be devastated if I’m rejected. Plus I don’t want the hard pull.I need to learn patience. Patience LOL. Uggghhhhh. Also it seems to me that once you are approved for one of Comenity’s card, then it’s cake from there.

Kisses
Kisses

Gretchen have you been able to look at the new blog? I’ve been trying all day. I haven’t come across anything.
No hard pulls maam!

Gretchen
Gretchen

@Kisses – Yup. Went on as soon as AJ announced it was up. Left 4 or 5 comments. It’s very cool. I think it’s going to be very useful for all of us as we go forward. Props to @AJ for the effort!

Kisses
Kisses

Can someone send me a link? And maybe I’m typing it wrong

Gretchen
Gretchen

@Kisses – type http://www.creditboutique ( and then .club)

Kisses
Kisses

I typed
http:www.creditboutique.club
But I’m not getting anything other than sites like better credit boutique and such

Gretchen
Gretchen

So weird. Did you try to google it?

Kisses
Kisses

Yep.

kay
kay

Samething here.. not able to get on.

kay
kay

@AJ… Awesome blog!!!! I got on..

Kisses
Kisses

I’ve been trying since noon and since I’ve been home. Don’t know what I’m doing wrong. I am internet literate

Kisses
Kisses

I’ve been using my phone, no go. Picked up my tablet, typed in and Whaolaaa! Don’t know what the problem is with my phone but I found my SCT crew.

kay
kay

@kisses… try copy and paste .. thats what i had to do.

Kisses
Kisses

The only thing about the Blog, it doesn’t notify us if others comment. I wonder if there is a way to fix that?????

Kisses
Kisses

Hi all. How is the blog working out for everyone? Has anyone tried to do the SCT in the last few day? I’ve done Brylane twice hoping the credit limit would be a little more but it isnt. J Jill offered a low limit but I didint accept. That store is expensive!

Gretchen
Gretchen

@Kisses — I did. Marisota. got the blank pop=up that lingered for about a minute but no go. Merrick seems to be great at reporting the account immediately and my statement just cut. Cap 1 still not reporting yet. Credit 1 card came yesterday and they have already slapped on the $75 AF LOL. That didn’t take long. It’s not reporting yet but I’m assuming it will.

Kisses
Kisses

Marisota was the first one I did a few weeks ago and got a pop of $250, didn’t take it though.
I do recall back in April I tried VS and no go. I guess my score needed to get up a bit so when I tried at end of July it worked. I’m thinking maybe in another month, like the middle of Sept maybe our score will be up more to SCT for other stores.

Gretchen
Gretchen

@Kisses – I’m thinking that patience is the key here for sure. By mid-Sept I do think things will look much different. All accounts are paid with zero balances except for FH which I’m letting age. So when the statements close it should boost up. I have to say I’m really happy with Merrick. Their payments post within 1-3 days, the website is easy to use and they report instantly as soon as the account is opened which is nice because that was a 40 point boost. They have unsecured cards as well but they are by invitation only. The secured one you can open by applying. So far so good.

Kisses
Kisses

How much did you have to send in to open a secured card with Merrick? What do you use your Merrick card for?

Gretchen
Gretchen

$200 is the minimum. I think max is $3,000 but the $200 was very easy. Multiple ways to send in. You can even use your bank’s online bill pay which is what I did. Simple and it reported right away.

Gretchen
Gretchen

@Kisses – The Merrick card is a Visa credit card. Use it everywhere.

Kisses
Kisses

Came across this group on Facebook. 800 credit score club. Look it up and send a request to join. I just did, waiting for acceptance. In the meantime I’ve been reading all the posts and comments. The person that hosts the group has really good advice as far as getting your credit issues straight. As soon as I’m accepted I will be able to ask questions. Right now I can only look, read, share and like

kay
kay

Hi All…

So the block for promotional purposes has been removed, i received an update from Equifax..hopefully that was why i wasn’t getting the pop ups… i also had address removed and my marriage name since divorving as this may help as well not having different names. …i will keep you all posted!!!! Btw… capitol one sent me an email today stating that they are mailing my card.

Kisses
Kisses

@Kay this is good news. Is your Capital One a secured or unsecured? I have two capital ones that are unsecured, low limits. Looking forward to an increase on them both within the next month hopefully through their credit step program.
I’ve been on the blog site but Gretchen and I are the only ones conversing.
I got my mom one last SCT card for now, Buckle. I told her that was it until Nov or Dec. Let them garden.

kay
kay

@Kisses… I got the secured, used my bank account to deposit 200 and got email today saying that its going to be mailed… haven’t been able to get an unsecured card yet though.

Kristina
Kristina
Hi Ladies, I wanted to add a little info as I have been reading your comments and found a lot of useful info. Hopefully I can spread something that might help. I ruined my credit in my early 20s after losing my job and not being able to keep up with the payments. I had a lot of retail stores because I’m a shopper 🙂 My credit rebound from that and then I bought a house with ex. My scores were in the mid 600s and for me that was ok, considering I didn’t focus on getting a lot of credit at that point. I lost my job again, separated from my ex, and downwards again from there. I was also going to school at the same time so I have about $20k in student loans. From the first downward spiral and the last I didn’t work on my credit at all! I really had the mentality that I would let it fall off especially since I wasn’t working at really didn’t have a need to have credit. I got with my current husband and he has really bad credit. We tried to get a few cards to furnish our apt etc. and we’re able to slowly build both of our credit until he lost his job and same repeat as before. Sorry this is getting long….. so fast forward a bit. Today my scores are in the mid 500s, I don’t have a bankruptcy or anything but a lot of accounts that are still unpaid that again i’m going to let fall off. Fingerhut was my first rebuild card with the fresh card program. I paid the little deposit, order something, etc. and they offered me a secured account and my limit is now $500. After that I got a capital one secured card, put like $200 I think, they matched my deposit to $400 and then I sent another $150 so I’m at $500 on that one. I paid on both of those faithfully and decided to try to Montgomery Wards and Stoneberry since I thought they were similar to Fingerhut and got little limits like $250. Actually Stoneberry sent me a preapproval catalog…. I started to get a lot of those preapproval catalogs but for weird places. K. Jordan…actually they have cute clothes. But when I checked on the disclosure page I think the preapproval was for… Read more »
Kisses
Kisses

@Kristina was Gettington an instant approval? Do they do the fresh stat thing like Fingerhut? I have been thinking of doing Gettington instead of Fingerhut. How many points did your credit score go up?

Kristina
Kristina
Gettington is issued through Webbank which is the same bank Fingerhut uses. Which could be part of the reason why they approved my account. I think the approval is easier because the app was simplier if that makes sense. Like some apps have several pages, consent, disclosures, etc. This one they have a big banner about how you save 20% on your order when you open a card at the top of the website. So I went through like I was placing an order, then towards the end it had the three tabs one said apply for credit then ssn, dob, and income. Then if you want paper statements and credit protection. That’s it. They don’t do a fresh start like fingerhut but I like it because after that they give you payment options for paying it off which I think is tied into the overall approval rate. So you can do shorter payments like 4 months for example at a lower interest rate or like 10 months with higher interest rate. they base it on the amount of your order. Almost like flex payments. I think originally my credit went up about 30-40 points and with the inquiries it went down maybe 8 points. I read somewhere obviously more than 5 hps is bad but at the same time if you have a lot like close to 20 in my scenario it only went down a little. I think overall its worth a hp if you can get the new account esp. if it really only makes a difference of a point here and there if even that. The number one thing is utilization and timely payments that affects your credit like 65% or so. so the new account helps because you get more of a credit line to work with to lower your utilization and of course paying on time. And with all the new cards I have, I’m focusing on charging a little and paying it off in full when the bill comes. And my score hasn’t gone up a lot but by doing that has helped me get more approvals I think. Because honestly I haven’t done anything else (as far as cleaning up my credit) about 10 of those cards… Walmart, kohls, vs, simplybe, marisota, masseys, gettington, and actual credit cards I got within the past few weeks. A few I haven’t even used yet,… Read more »
Kisses
Kisses

@Kristina you have a lot of cards. With all those I’m surprised the SCT hasn’t worked for you. I did the SCT for Simply Be and King Size this evening. Both were $250. King Size is for the hubs and my son of course. When I was in college in the early 90’s I had a Belks, Hechts and a visa card oh and a jewlrey store card. Big mistake for a young 18 year old with no job. Earlier 2000’s I had a target, Wal-Mart and JCP card. I was in between jobs and wasnt able to make the payments. Currently I have been clearing up my credit reports so that my scores will start climbing and they have been, slowly.

Kristina
Kristina

King size… I have to look into that one. I feel a little sad because I have a lot of cards for myself and nothing really for my husband. Just a little. Lol. I try to balance it out by ordering stuff for the house too. Yea I had Target, Best Buy, and a lot of capital one, orchard bank, since you were able to have more than one card. Then they all went bad and now I can’t reapply for any of those. I was surprise because capital one did let me get the secured card after I had the two bad ones, and so did first premier bank…. that one wasn’t secured and I know that one is one of the better “bad credit” cards.

Kisses
Kisses

For Masseys, was it a soft pull? I was looking on their site and to get their card they ask for the last four of your ssn.

Kristina
Kristina

I think I’ve read if they just ask for the last 4 of your ssn its generally a soft pull. In my case, they already sent me a preapproval catalog. And I’m telling you once get a catalog card every week you’ll probably get at least 1-2 preapproved catalogs and then you can just choose from those without getting the hp. So maybe you got one and threw it away, I did at first because I thought they were just junk catalogs vs preapprovals. Ginny’s always send me one too I might get that one too because the limit is higher like $300-450. If you look on the disclosure page next to the ordering page in small print you’ll see your credit limit. I like them because even though you start low they send promo codes all the time, have lower monthlys like $5.99-7.99, and give you gradual increases. I find it easier to manage because I can charge up a $100 or 200 and then pay it off next cycle. So even with the lower limits I have been able to get quite a few things in a short period of time.

Kristina
Kristina

And those cards that have like $5.99 monthly I always got in the habit of sending like $15 or $20 for my payment if I wasn’t going to pay it off in full. I think while I’m not cleaning up my credit, I think the way I manage my credit is what increases my approval odds. I only have a few years before my old stuff falls off so I focus on making sure I either overpay, pay off, keep my balances low, and never ever pay late. I generally do my payment 5-7 days before its due just to be on the safe side and I bet that looks good too.

Kisses
Kisses

Not so sure about soft pull. I tried to do PayPal credit, they asked for last four and it was a hard pull on my Equifax. Ughhh and I got denied. I’m gonna do the Gettington, I do like their stuff a lot better. I was looking online at Massey as I mentioned and I like their stuff as well. Oh I would love to have an account with them. Kristina you are very I formative as well. Thanks for sharing and keep up the info and experiences.

Andrea
Andrea

@Kristina
can you please tell me how is this Masseys reported on your reports?
thanks

Gretchen
Gretchen

@Kristina – which of those report to the CRA’s? Seventh Ave and Montgomery Ward don’t report. What about your other accounts?

Kristina
Kristina

I just did paypal credit too and true that one is a hp for some reason, but the others should be a sp. Because they already have your basic info to make a decision and I think it’s more true (being a sp) for smaller credit stores vs paypal credit. I found out paypal credit used to be bill me later and that used to be the hardest thing to get approved for. The only reason why I even tried paypal credit because a few credit forums said it was easy to get. Although I was in the same credit range, when they sent the denial it was a long list of why they said no. Whereas, the smaller credit cards I think if you meet the range you generally get approved. Awww, thanks! I’m glad I had some useful info. Like I said I personally like Gettington a lot better than fingerhut because they do have better stuff and its closer to what you would pay in the store. I always find fingerhut about 10-15% more than the store. And Gettington sends promo codes all the time so I’m always ordering little things here and there. I guess if you don’t get approved for Gettington you could do the freshstart and once they convert you over to the regular account, Gettington should be easy at that point. But if you have some of those other major dept store cards I think you have a good shot! (do it, do it,) lol

Kisses
Kisses

I really would like the SCT to work for me on a gas card. That would really be of more help to me than my store cards. Gas is always a necessity. I’m gonna try for Masseys too. Until you mentioned it I had never heard of Masseys or Stoneberry. I did request a catalog for the both of them last night, can’t wait to get them.
Does your Credit Karma update your TU and EQ information every so often?

Gretchen
Gretchen

@Kisses – Did you try Marathon? They are Comenity Bank. I don’t know where any Marathon stations are around here but they are on the list.

Kisses
Kisses

@Gretchen I have one near my house. Do you know if the SCT works or do I take a HP?

Gretchen
Gretchen

@Kisses-I’m not sure if HP or not, but I’ve read elsewhere that it does work with SCT so worth a try!

kisses
kisses

@Gretchen I had read that to but when I went to the site it was just a regular application that you had to fill out, so that to me meant HP.
You know Credit Karma is showing my TU score at 592 and the denial letter I just got today says 634. Thats a big difference.

DGS
DGS

I was approved for a regular Marathon gas card with only a soft pull. You must first register for their online store and place an order before you apply.

DGS
DGS

I would like the get an account with Floor & Decor. Their card is issued by Synchrony….Will SCT work for them?

Kristina
Kristina

I never heard of a lot of those smaller catalog ones either. I like them because a lot of the comenity ones are for generally for plus size, which I’m not, but since I just had a baby I’m definitely looking to update my wardrobe. I did get the simplybe card because when they sent me a catalog it had quite of bit of stuff in my size even though they call it plus size. CK does update every so often, it says my next update is in 10 days but I think it updates certain factors sooner. Like the inquires for example, I see those when they happen. And I noticed my score is probably about a 20-30 score differential from different credit reporting sites.. guess depending on how often they update. My score is still around the mid 500s to right under 600. So still have a lot of rebuilding to do. I would like a gas card too, I’ve read you can do the sct on it but it course it doesn’t work for me. and some site said I had gas locations near me where another one like the comenity website itself said it didn’t or vice versa so I haven’t applied or looked into it deeper. I have the Walmart card so im ok gas wise. Although I heard a really good gas one with easy approval in the 500 range is the chevron/techron card and they do gas points etc. I applied and didn’t get it although my score was way higher than others that got approved. So I guess its other factors that goes into that one, but something to look into… because of all our negative factors are different. I know some I don’t get because it says too many recent new accounts. So I think If I try again in maybe 6 months I should get approved. Did you do the sct on King Size and it work?

Kisses
Kisses

Yes even though our scores are around the same as others that are approved and we are denied, it is because of other factors such as other delinquent accounts reporting on our credit reports. That was one of the reasons I got denied for Barclays. I do have several medical collections reporting and three other old accounts that are due to fall of next year. I wish they would just fall off now, it would help out alot.
King Size was SCT last night along with Simply Be. $250 for both. I was reading up on Masseys and I will wait until I get the catalog before I make a decision. I also read that it’s easier to get Fingerhut than Gettington even though they both web bank. Besides I get pre approval catalogs from FH never Gettington.

Kristina
Kristina

Yes, that’s what I’m learning is the other factors that tie into the approval. you said that when you do the sct is usually works on chrome for you? and how much are you adding to your basket? and do you checkout as guest register first? I usually do chrome or firefox add about $150 worth of stuff, check out as guest, etc. then it just goes to the payment part. But on one of my credit report it has TRL for trail and the other TR so I try it both ways since I don’t know what report they are pulling from although someone said its usually TR but I had one that wanted to correct the address to match the EQ so I thought for sure I would get the pop up but nothing. 🙁

kisses
kisses

I always check out as a guest, not sure this makes a difference though. Then I usually put about $50-$150 in my basket then I go straight to check out as a guest. I input my address info, name and such then hit the continue button. Its usually after I click that button is when the pre approval pop up will show up. Then it gives you the amount pre approved for and click if you want. Your last four and your date of birth is what they need and you have your new card. Of course the details of the card agreement is shown. Your card can either be used right then or you can wait until it arrives. I used my Avenue account a few days after I was approved, before my physical card actually came. Ive not used any others yet. I use Google Chrome. I havent tried any others. I have even got the pre approval pop up on my cell phone.

Kristina
Kristina

Do you think by requesting a catalog they might send a preapproval one? Does that even work like that or maybe that’s unrelated. I came across another one call Mason and they have an easy pay credit plan. A variety of stuff for the whole family including kids. I’m going to request a catalog before I apply.

Kisses
Kisses

I’m not sure how that works. I do know a year ago I applied with fingerhut, they called me to verify info because I had a fraud alert still on from when my wallet was stolen. After the verification I was approved $250 but for the fresh start. I never used it and a year later they still send pre approved catalogs. I called in and they said I had to re apply. I still have the hp from the last time I applied 4/2014.
I just got my denial letter from Barclays, they pulled from TU. My score at the bottom says 634. They listed the factors for the denial which they made it sound like I had a disease. Go figure!

Kristina
Kristina

Yes, Barclay is kind of a harsh denial letter. Lol. But at least you know where you stand. Your TU score is higher than mine, it seems unfair that fingerhut will do another hp… who know maybe you’ll get the regular card now.

kisses
kisses

oh yeah. Words like “severe” too high”, too short” “insufficient credit history and number of accounts” all this at a 634. None of the recent credit store cards I have gotten are showing on TU. I dont know why. Not all of them are on Equifax but two.

Kisses
Kisses

@Kristina I did it. Submitted with Gettington and got instant approval for $400. I can start shopping immediately. I feel good about this TL because I will probably end up getting one or two increases before my other store cards I just received.

Kristina
Kristina

@Kisses that’s awesome! You’ll like it, a lot of nice stuff. I think I had my fingerhut account for maybe less than 2 years and they gave me several little increases, so I think it will be the same with Gettington. I think I’ve read with the major retailers they usually do 90 days, 6 months, or 1 year CLI. I ordered some outfits from Simplybe so I’m curious of the material, quality, sizing etc. I saw the store is based in the UK which I didn’t know prior so we’ll be rocking the British Fashion! lol.

Kisses
Kisses

@Kristina there is a blog you should visit :
http://www.creditboutique.club. Visit it today and feel free to leave comments.

Kristina
Kristina

Ok, I just looked at my inquires which I usually don’t because it’s such a small impact to my overall credit. Gettington did show up as hp on both TU and EQ. Masseys isn’t on there yet, because I just got it last month. I don’t see that they did a hp either unless its on Experian but that’s my worst report of the 3. When I spoke to a rep she said that they have Masseys and Stoneberry accounts so that could be how I got the preapproval. Paypal credit shows as CCB/PPC.

ZiggyZ
ZiggyZ
If it’s a Banner ANYWHERE on the actual Web page itself, then it’s just an general advertising banner for the card and will be a Hard Pull if you apply that way. It has to be an actual pop-up that will have verbiage to the extent of saying that YOU have been pre-qualified. The pop-up will be a new window/page that pops-up on top of the current shopping cart checkout page. It will usually occur after you’ve entered in your billing/shipping name, address & phone number. On this specific page after you fill out your information and you click to continue, the next 1-2 pages typically will present the pop-up. However, it should happen by the time you get to the last/final page in the checkout process. The final/last page will have a submit, submit order, complete order, etc button on it. If you’ve reached this page, and you did not get the pop up, do NOT click submit or any button that is consistent with submitting the order for processing. You should receive the pop up by the time you get to the last page in the checkout process. Generally you’ll get the pop up on the billing screen that asks for your payment information. The popup is known to either happen when you get to this page or after you’ve entered in your billing and payment information and click Continue to go to the next page. But be careful, some of these payment screens maybe the last page or step in the order process. However, very few sites have them as the last page. Just keep a watchful eye. The reason that I stress that last final page, is because some sites once you submit an order, it cannot be cancelled. Not all sites are like this. One site that I know of that you cannot cancel an order once it’s been submitted is the Eddie Bauer website. Once you submit an order on this website, there is no way to cancel the order. Even if you do call customer service. After you place the order on this site, you have to wait until the package either gets delivered to return it or if your home when the UPS driver comes to your door you have to refuse the package. Some people may be scratching their head asking,”why would I want to submit an order? ” Believe it… Read more »
Kay
Kay

Hi All,

Just a little update… Equifax has completed 1 of my disputes and the GOOD NEWS IS… The deleted 1 collection, 1 credit account and 9 hard inquires…. I will try to see if any of the sites work for me now that the report has been completed. I will keep you all posted, hopefully my score goes UP….. 🙂

Kisses
Kisses

@Kay that is great news! Good for you! Inquiries are very hard to get off. I disputed two with the credit bureaus, which were unauthorized and they sent me a generated letter stating hard inquiries had to stay on for two years. What gives? So they don’t care if they were unauthorized.
What was your strategy to get them removed?

Kay
Kay

@Kisses… Do not dispute the inquiry’s online… Call them and speak with the fraud dept. Let them enter your dispute into the system and see what happens. I disputed online and then when I got those results back saying that they are factual called in as a last resort and got my report back today saying that they have been deleted… Don’t give UP!!!!

Kisses
Kisses

@Kay Make sure you post comments on our blog. It’s up and running, full of different credit experiences and updates.

Kisses
Kisses

@Kay so just call the fraud dept? Do I need to place a fraud alert? Did you have to or did they make you?
Do you have the #?
Thanks

Kay
Kay

@Kisses… I just phoned the regular number for Equifax 1-800-685-1111 and they transferred me. A fraud alert was placed on all 3 of my reports for the last 1 year, when I first started seeing inquires that were not mine. I still have them on and maybe that’s why I haven’t gotten any hits on the SCT popups, but I am opted-in; so it really shouldn’t be an issue…

Kisses
Kisses

@Kay that may be the reason SCT isn’t working, probably is the reason. I had a fraud alert last year and a creditor called me to ask if it was really me.

Kay
Kay

@Kisses… I think once m disputes for the other 2 credit reports are completed. I will have the fraud alert removed to see if I get any popups, but once I’ve gotten the cards I’m interested in I will have them place that alert back for my protection.

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