02-08-2014 06:13 AM
if you have recently had your bk discharge or are looking to build credit and need a cc ....the shopping cart trick is working. if you are not sure what the shopping cart trick is you can find info on other posts."search"
i figured out why with certain stores it works and others it doesn't.
depending on your credit score with each of the cb will depend if you get the pop up at check out.
my equifax report and score are in much better shape than tu and es. when i applied to a store that soft pulls from tu nothing ever popped up. but today i found a small list of stores that pulls equifax and every store that pulls from equifax that i applied too i got the pop up...i didnt take cards from from every store because i didnt want the over kill but it was nice to be able to pick and choose.
.try stores that pull from the cb with your highest score.my equifax score btw is just over 600...good luck on rebuilding!!
here is a small list i found online.. i hope it lines up ;-)
|Store||Card Type||Soft Inq*||Provider|
|Sportsmans Guide||Co-Branded Visa||Transunion||Comenity|
|Victoria's Secret||Store Card||Experian||Comenity|
|Brylane Home||Store/Catalog Card||Experian||Comenity|
|Blair Catalog||Store/Catalog Card||Equifax||Comenity|
|Ann Taylor||Store Card||Unconfirmed||Comenity|
|Crate and Barrel||Store Card||Unconfirmed||Comenity|
|King Size||Store/Catalog Card||Equifax||Comenity|
|Woman Within||Store/Catalog Card||Equifax||Comenity|
|Restoration Hardware||Store Card||Unconfirmed||Comenity|
|One Stop Plus||Store/Catalog Card||Equifax||Comenity|
|Pottery Barn||Store Card||Unconfirmed||Comenity|
|Jessica London||Store Card||Unconfirmed||Comenity|
|Walmart||Store Card or Co-Branded Discover||Transunion||GE|
02-08-2014 08:29 AM
not sure ... the 3 cards i got did soft pull... my guess if you dont have a shot the pop up will not appear... but i am assuming this because i dont get pop up with any other store that doesnt pull equifax.
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