Is there anyone out there that may know which CRA Torrid pulls. I did call Torrid CS, and spoke with a rep but they did not know which one of the CB they pull from. I am really trying to obtain more credit in rebuilding and don't want them pull my credit if it does not meet their min. requirements. Also, if anyone out there have a card that is building as I am what is the lowest score will they accept? Anyone?????
If you shop regularly at torrid, they will pre-approve you for the card, whenever I go into the store they keep telling me I'm pre-approved for their credit card, I'm kinda tempted to apply but torrid platinum membership gives similar benefits (minus two 30% discounts per year), so unless you're really desperate for that 15% sign up discount, don't even bother with the card.
Credit scores with the CRA's TU-639. EX-598, EQ-575
MyFICO as of 4 Aug EQ-574, Trans-554, Exp-598
Comenity is known for pulling EQ. You might squeak by with a $150 limit. Do you want the card because it will actually be useful to you other than adding yetanother tradeline?
RedMiniStapler, It's not that I'm that desperate but I do need to aquire some cards. I only have 2 now under my belt and I know I need more. I think the next time I go into the store I will apply bc many reviews have mentioned they were denied online, but when they applied instore they were approved. Go figure!
