Hooters Mastercard!

[AMISLANDER]

Uh Oh.....

You are absolutely NOT permitted to apply for credit while in bankruptcy. This could have your case dismissed.

I've been discharged but not yet closed....and just put in for my BOA???

[robbndawn03]

update:
Denied for hooters..
oh well maybe next time.

[edwards2]

robbndawn....how did you find out so quickly? I applied online last Wednesday and still havent heard anything. I am not calling...I hate being told NO over the phone. It wont be the end of the world but I still hate hearing it...however, it is interesting to see who got approved and who didnt...trying to figure out if there is a pattern to their approvals and denials. Just out of curiosity who scores did you guys have who got approved? What is the cut off score for denial ..if there is one?

[robbndawn03]

I called yesterday.. I just wanted to know...Because we were discharged in January and I cannot get a credit card , loan ....I have disputed things to get my reports updated which I was able to succeed in most updates... but other than that no credit card now my wife was able to get a orchard bank but they will not add a additional user without them being approved through a credit card and I already applied and was denied no need to get that inquiry twice .. that was in Feb.
I did however get a crown jeweler acct but they do not report I bought the cheapest thing paying off slowly.. recieved acct Feb no reporting...So It seems for me it is hard to restablish to even get that line of credit....
But I will not give up ... I will continue to try until I succeed ..

[edwards2]

we got our Hooter's cards in the mail today but our limit is only $500. That may be because I already have Target, Orchard, Cap One and Juniper. I do pay them at the end of the month though and will continue to do so. dont give up on them...we got turned down the first few months post-BK not my them but another company....have no clue what our scores are now but my FICO was 650 about 3 months ago; dont know what husband's is - going to wait a few months and check both. Son's truck is in husband's name and we are paying it like clockwork so that should help his score.

[JoyMc59]

Hooters Card??

Hello All!

My husbands scores were 540 561 614 with many errors. I am in the process of cleaning up my husbands credit reports so far his scores are 574 582 583.
I don't understand how his Experian went from 614 down to 583. I feel like I should have left the errors on Experian. Oh well!

My quest is do you think my husband could get a hooters card with his scores of 574 582 583? Should he wait to apply after I hear about his pending disputes?

Chapter 7 filed 6/8/05
Discharged 9/23/05

[Roadrunner]

Joy-I don't think it would hurt to try, as long as he isn't trying for a bunch of cards. (The inquiries would add up, but one shouldn't be a big issue.)

Update-my friend got it. No clue on his scores, but since filing last year (Mar or Apr 05, not sure) he had opened 1 $300 limit Capital One card. He also has student loans-just graduated w/ a degree in accounting-his mortgage, and a car loan. He got Hooters for $1100, no annual fee.

[JeepMom]

I got the "we'll let you know" or denied online with hooters. I forget which. I wasn't expecting the card at all.

It arrived yesterday with $750 limit and $36 annual fee.

Sidenote--I'm using this as my gas card now. You should have seen the guy behind the counter when I paid with this thing. I swear he got wood just thinking about it.........LOL!

[Roadrunner]

Congrats Jeepmom! I'm pretty sure that anyone who applies online gets the 7-10 day wait message. They don't do instant approvals.

[JoyMc59]

Sorry for the dumb question- I am new here! I called today to see I had been approved for the Hooters card. The woman said they sent me a letter? Any idea what that means?

[pink_amulet]

Sorry for the dumb question- I am new here! I called today to see I had been approved for the Hooters card. The woman said they sent me a letter? Any idea what that means?

9 times out of 10 that is "THE" dreaded letter, they refer to. But maybe not for your case. Hubby applied for the Hooters card the end of April 06, and he go the letter saying sorry, no can do. They didn't say why, just that their decision was based on the info in his credit report. Go figure!!
However we did get an email today for the Orchard card. He applied 5/16/06, and we got an email 5/18/06 saying he was approved, but the rest of the info is coming in the mail. It is probably $300, just like his First Premier card.

He has been turned down for the Hooters card, and I have been turned down for the Target card....so since we've been discharged back in Jan 06...out of 4 attempts we are 2 for 4...LOL

good luck
pink

[down&out]

I got one

Hi All.

I got a hooters card with $500 limit, no annual fee.

I don't have real FICO scores (Im too cheap). I do have my fake scores from truecredit:

TU: 659
EX: 640
EQ: 671

[FilingOnMyOwn]

Hi All.

I got a hooters card with $500 limit, no annual fee.

I don't have real FICO scores (Im too cheap). I do have my fake scores from truecredit:

TU: 659
EX: 640
EQ: 671

I won't pay for my fico scores either being the ones they provide are not even accurate.

[tinroofrusted]

I won't pay for my fico scores either being the ones they provide are not even accurate.

EXACTLY!

AND, I have proof of this from my job.

I pull credit reports at the mortgage company that I work for. I can't TELL you how many people buy their credit report that day, and come in and have their credit pulled, and the numbers are soooo completely different.

Don't waste your money, because you aren't getting your "real" score anyway. If you have a friend of buddy who can pull it somehow through an auto dealer, mortgage company, or the like, go about it that way!

[tinroofrusted]

Hi All.

I got a hooters card with $500 limit, no annual fee.

I don't have real FICO scores (Im too cheap). I do have my fake scores from truecredit:

TU: 659
EX: 640
EQ: 671

My scores from TC are much lower than this, and I got a $1000 limit.................strange indeed!