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Hello All!!
So im climbing uphill in this credit battle and the load is slowly lightening! Ive been checking my score like im stalking it and ran across a message saying:
You have no retail revolving accounts that can be used in determining a credit score.
With that said any idea of which retail store could be the easiest to get a card. Im trying to avoid a zillion inquiries! :0
I only have my TU and Equifax score
TU 595
EQ 573
Any hope?!
Really? Walmart.. id think theyd be hard to get but you are the second person who has reccomended them..thanks for the suggestion!
@Learning_Tee0225 wrote:Hello All!!
So im climbing uphill in this credit battle and the load is slowly lightening! Ive been checking my score like im stalking it and ran across a message saying:
You have no retail revolving accounts that can be used in determining a credit score.
With that said any idea of which retail store could be the easiest to get a card. Im trying to avoid a zillion inquiries! :0
I only have my TU and Equifax score
TU 595
EQ 573
Any hope?!
May I ask what kind of report offered that advice? That doesn't sound like something any FICO related report would state. But I could be wrong. I have been many times before.
I was declined by Walmart with my scores..
Easiest card to get for me is anything handled by WFNNB.
With a bit of googling you can find a bunch of them.
Some stores they service are Victoria Secret, Ann Taylor Loft, Pottery Barn, Maurices, New York and Company.
If you already have an account, sometimes they soft inquire you for new cards. I have 5 of their cards and they only hard inquiried me for the two I applied for instore. Of course interest rates are high, there's even a $1 charge for a paper statement. Often you get a statement within 5 days of making a purchase which already has a payment due.
BUT, if you frequent a store that they service they can be a decent deal because usually you get extra coupons and stuff like that. Only worthwhile if you don't carry a balance though.
Current Cards: Cap 1 Journey $3000, Cap 1 Playstation $2250, WFNNB Store Cards $2450 combined, Target $700, CareCredit $1700, Barclay Rewards Plat. Mastercard $1800, Old Navy $300, DCU Platinum Rewards Visa $2000, Swagbucks Rewards Visa $1000
Starting Score: 615 EQ (03-15-2012) 600 TU (03-21-2012 Barclays app) ) Ch.7 discharged 5/2009
Current Score: 671 EQ (09-27-2014 DCU) 660 TU (9/26/14 Barclays) Ex 688 (10/07/2014 Swagbucks)
Gardening since 9/22/2014
It was actually on the TU website..transunion.com i guess they try and give you helpful hints as to what is impaccting your score.
JenniferinFL -
I was thinking of going for a Victoria Secret card..cross my fingers! hope i can get it
Are those fico scores?
I would have to say the Macy's card. I RARELY hear anyone get declined for that card.
@Learning_Tee0225 wrote:It was actually on the TU website..transunion.com i guess they try and give you helpful hints as to what is impaccting your score.
Those scores are not FICO scores. They are called VantageScores and only a few lenders use them. The reports themselves are accurate but disregard the scores and the advice given. When they say You have no retail revolving accounts that can be used in determining a credit score ignore it. A retail account is not required in your credit mix.
And ignore any other tips they might give you. Those "tips" can actually be the complete opposite of what needs to be done to help yourself. Only pull FICO scores and reports.
Do you know any of your FICO scores? Unfortunately no one has been able to buy their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU (PSECU) in Pennsylvania that supplies that information to it's members only. You can only buy true FICO scores at a few places. One place is here at myFICO.
At one time you could also purchase your Transunion score at transunioncs.com but no more. Wal Mart now offers a TU08 score to those who have their store card and the Discover version.
Equifax will still sell you a FICO score found here: www.equifax.com/web-myfico-products/