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Regular Contributor
XQ28Libra
Posts: 147
Registered: ‎10-11-2009
0

Does macys blacklist

I have 710+ scores on all 3 Util is 2 percent and 1 inq in the past 12 months 9 inq in the past 24 months  and i applyed for a macys card and was rejected they wont tell me over the phone i had a macys card that charged off 12 years ago and the bal was like 200 I cant see why they would reject me othere than being black listed

 

Thanks

Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009
0

Re: Does macys blacklist

They blacklist for BK'ed and CO'ed accounts. If it wasn't BK'ed you may be able to pay it and be "de-blacklisted". Call them and ask about paying the account. They may have a reinstatement program for you.
Regular Contributor
XQ28Libra
Posts: 147
Registered: ‎10-11-2009
0

Re: Does macys blacklist

Thanks but if i pay it wont the put the charged off account back on my cr i mean its past its sol but if i pay it wouldent it reset the 7 years

 

 

 

Thanks

Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009
0

Re: Does macys blacklist


XQ28Libra wrote:

Thanks but if i pay it wont the put the charged off account back on my cr i mean its past its sol but if i pay it wouldent it reset the 7 years

 

 

 

Thanks


 

No!
Regular Contributor
JellyFish
Posts: 245
Registered: ‎06-03-2009
0

Re: Does macys blacklist


XQ28Libra wrote:

I have 710+ scores on all 3 Util is 2 percent and 1 inq in the past 12 months 9 inq in the past 24 months  and i applyed for a macys card and was rejected they wont tell me over the phone i had a macys card that charged off 12 years ago and the bal was like 200 I cant see why they would reject me othere than being black listed

 

Thanks


 

Hello,

 

I filed Ch. 7 in BK in 2/01--discharged 6/01. Macys was IIB. Yesterday on a whim I app'd for Macys card online. Didn't give an approval or a denial. Called backdoor # today. CSR rep asked if I had ever had a card. I said yes many years ago. She then asked if I had filed BK, I said yes. She paused, then said if you can hold for a minute, I can get this approved for you. She came back to the phone with an approval w/ a $300 CL. Not much, but I didn't think I could get anything!!

 

Also, app'd for Hooters MC the other day. Got same message as macys: thanks for your app. it is processing. Called backdoor #, was approved for $1100CL!! CSR didn't know APR or if there was an annual fee. I guess I'll find out in a couple of weeks.

 

There is hope for me yet!!!! Util should improve score. AA will suffer a bit, though, but I think that will be short term. 

 

Thanks for all the help myfico-ers!! It's really helped!!!!

 

Jelly


Starting Score: 615 EQ (1/1/10); 655 TU (12/31/09); 604 EX (10/20/09)
Current Score: 660 EQ (10/29/10); 676 TU (LO pull 4/21/10); EX 666 (LO pull 9/21/10)
Goal Score: 780


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Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009
0

Re: Does macys blacklist

Congrats on the dual approvals! 

 

Nice Macys approval and not a common thing with a BK'ed card. Probably floated because the BK was so old. The honesty probably didn't hurt either. BTW $300 from Macys is a good initial CL. If you take care of that Macys card it will take care of you!

Regular Contributor
XQ28Libra
Posts: 147
Registered: ‎10-11-2009
0

Re: Does macys blacklist

What is macys backdoor number thanks.

 

 

 

Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009
0

Re: Does macys blacklist

BTW - Better to app Macy's in store.
Regular Contributor
XQ28Libra
Posts: 147
Registered: ‎10-11-2009
0

Re: Does macys blacklist

I did apply in the store still a no even called when i was at the store  :-(
Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009
0

Re: Does macys blacklist

Call the number on this page and find out why you were denied credit:

 

     https://www.macys.com/service/credit/applynow/applybyphone.ognc


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