11-26-2007 01:32 PM
11-26-2007 01:35 PM
Brammy, don't be hard on your self and D&b. Lowes, Sams, Walmart are issued by GECF. They look in the Equifax not in D&B. It is likely you dont have trades posed in Equifax. I tried 2 -3 times for sams and they rejected. Once I got Valero started reporting on the Equifax, I got the Sams/Lowes immeadietly. I still dont have Walmart and they declined once. I am not going to bother applying for walmart as I can use my sams card there.Since you have good cards with citi why not focus on citi and add 6-8 trade lines? exxon/shell/sunoco/macys/homedepot/radioshack all are issued by citi. You'll get it easily all these cards since you already have the Citi Card. Once you have 6-8 trades reporting other would come to you. Citi also reports to Experian so you get the benifit of both from citi cards.
The exact quote on the letter was 'No DNB file' I know I have a trade on my biz EX file.
11-26-2007 02:25 PM - edited 11-26-2007 02:27 PM
11-26-2007 02:34 PM - edited 11-26-2007 02:35 PM
Brammy.Don't feel bad. Let me tell you what happened to me today. I got my Officemax card which remember being approved for $5000.00. Well when I got the card I ran to Office max, to buy something befor the end of the month. When I got there I picked out this printer. I went to the counter to pay with my new card. I opened it and the Credit Limit was only $ 250.00 I flipped out. I called spoked to cs. The guy said " Let me look in to it, Says. Your card was approved and in 6 month we will increase it you have no credit on file. I named off what I have and he says. Sorry Don't show. On D&B.Needless to say I didn't buy the printer, I'll wait for Staples they said approved for $2000.00. Talk about disappointment.
Message Edited by HA2007 on 11-26-2007 02:27 PM
That reeks. I got the Staples for 1k, my first card. I guess I must have a file somewhere. OD said it was 250.00 but when I called about something, they said it was actually 500.00.
11-26-2007 03:32 PM
11-26-2007 05:09 PM
11-26-2007 05:57 PM
redE2move wrote:ILECS what are ur bi stats? More than 2 yrs? How many tradelines reporting?
11-26-2007 06:08 PM
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO