Anybody have information about the different department stores such as Wal-Mart, JC Penney, Dillards, and etc. What bureau do they pull from? What is an average range that they approve credit for? My current situation is that I have no credit cards, and am working to rebuild my credit. My Fico Transunion is my lowest score at 543, then Experian at 553, and finally Equifax at 591. I am a little baffled as to why my Equifax dropped from 618 on May 29th to 591 when I pulled it today. I did have a dispute that was deleted and then had one that was verified. Didn't know that was going to affect my score though.