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First question I have is Does an 80/20 (i.e. zero down) Lending Tree mortgage or piggyback still require PMI? Thanks in advance for any answer or 2. Second question of mine... I've been reading past posts on Target guest card. I want to get one which I'm sure if I'm approved it will only be the $200 limit. My EQ score is 611 with a discharged bk7 from sept 02. |
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Yup, but you might want to make sure and wait for another commenter to confirm this as I am not completely sure. Better yet, why don't you give a call to the Lending Tree guys because they can help better...
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In my experiences, when you go in-store they just check the score and get an instant yes or no. Plus you get your temp card right there. They'll probably give you $200 if you're approved. I have high 700s and they only gave me $200 to start. Everyone else has given me minimum 3x that amount if not more! But I get my household items there, so what's the harm? It'll grow sooner or later. How much Cottenelle can I buy?..
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I live in Kansas. I applied in store and they pulled a TU for me. I was given a $200 cl with a 619 score. Online they almost always pull EQ. If you go into the store, they probably will pull TU, especially since you are from Michigan ( I lived there for 10 years until '97 and my TU report was pulled almost exclusively for anything)..
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Well I just applied online and got the infamous, uuhhh we'll get back to you honey. We ain't giving you nutin today..
It said check back in 48 hours. I checked all cra's and I don't see an inquiry. I thought it would show up immediately.. Guess I can kiss the guest goodbye...sigh...couldn't even give me a measly $200... |
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That happened to me. When I called 2 days later found out I was denied b/c I had a Mervyn's card from 94' that had a 100 balance on it, I had no knowledge of this and even the csr told me the computer showed 'statements returned unknown address' So I was denied, if you anything on any other store card belonging to them you can hang it up. I couldn't believe it. This has not showed on my report. A stinking 100 balance...
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I looked at cma's post and just decided to apply online, and got approved for a guest card! My mother looked at me like I was crazy because I was so happy. Been awhile since I've been approved for *anything*...
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From the way it looks, the only thing that I could possibly be approved for is Target, that's about right? A stinkin 100 dollar Mervyns bill from so long ago.. I have no derogs on Efx. or TU scores are TU 685 Efx. 679 can't get a card for the life of me. Always denial says 'no revolving acct. history'..
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Don't be jealous, trust me, it's taken a lot out of me to dig myself out of my credit hole this far (which is to say not very). And by the way my mom wanted to apply while I was online. Guess what she was approved for with a 717? $700 cl! Meanwhile she just put me on as an AU on a cc that has a 11600 cl. Point is credit can be strange, so you never know...
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I'm kicking myself in the butt!! I went and applied - knowing I still have some derogs about to drop off - and also some in dispute.... It said my application required further processing - and that they'd get back to me within the next couple of weeks.....
I'm sure that means "NO"...... I should have waited until I get more dropped - dammit..... don't call us, we'll call you..... now that's another inquiry clogging up my report..... Gargoyle girl.. |
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Yeah, thats what I got too. I'm waiting on my denial now..
Well, we will have to just continue on and fix whats broken on our credit.. Keep your head up. It probably would have only been $200 anyway :)).. |
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I have a 616 TU fake - and 622 EX.....
I don't know eQ...... Gg.. |
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Did you folks who got the 2 weeks thing get the denial letter or the card? just curious..
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I got that and got the card..i also got mervyns. my score was about 635 no derogs though...
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They denied the visa card for me, but gave me a whopping $200.00 cl on the guest card!! EQ 660 no derogs..
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I had 608 inflated EQ with four or five baddies in dispute and a secured Sterling card..
Applied online and got $200 instant approval. 16 months later it is $800.. I think they've made the standards higher recently. I've known people with perfect credit to get flat out rejected :(.. |
