how many points does it take off your credit score when you apply for a dept store?

Question

like apply for a walmart card and not getting the card

just so you know i have good credit that's was i was mad because it was a waste of good points and i wanted to know what the damage was

Answer 1

Any credit inquiry you do dings your credit no more then five points, and only for 30 days. Check out this article below to see quick tips and tricks to get your credit score up and exactly how your credit score is deduced.

Hope this helps.

Answer 2

How many points depends on your current credit file.
If you have a thick file you may only see 1 or 2 points. If you have a thin file you could see 7 points or more.
It basically takes up to 6 months for the ding from the inquiry to lessen and at the one year mark the inquiry has no impact (unless it is noted by a mortgage underwriter).

If you were denied the Walmart card then you might call and ask for a reconsideration. If the CSR seems unhelpful ask to speak to either a supervisor or an underwriter.
Many (but not all) people who had been denied have ended up being approved because of a recon call.

Answer 3

I understand this is not what you asked but a better question would be to know why you got denied in the first place and fix THAT....