03-18-2013 04:51 PM
I have better credit scores than I originally thought (681 Trans - pulled today, 725 Equifax - pulled 3/8/13). One of the biggest items bringing my scores down is the lack of revolving credit history. I have no credit cards, never have.
Every site I've used suggests at least having a credit card in order to improve my score/have better success acquiring a mortgage in a few years.
I applied for a Best Buy card and received a declined notice in the mail. They claim their pull on 3/10/13 resulted in a 323 score from Transunion.
Do you think they just looked up the incorrect SSN? I'm not sure what to do - I'm hesitate to apply for any additional cards if there's no chance of approval.
Both scores referenced above were pulled here, on MyFico.
Any advice would be appreciated.
03-18-2013 05:16 PM
Great to know! Freaked my out for a second.
Any good major CC's I can open that utilized Experian as a benchmark?
It's kind of BS that they're utilize 'internal scores. How am I supposed to keep tabs on that?
03-19-2013 07:38 AM
03-19-2013 07:41 AM
Probably some kind of credit card enhanced FICO they use internally. Probably won't get a major with no CC history but you could look into a Cap One for Newcomers or use a local credit union.
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