Credit Card Center Advertiser Disclosure†
06-05-2009 10:32 AM
Hello forum friends,
Can anyone tell me what CRA is pulled for JCPenny? I am located in Ca, but I dont know if that is a factor. Thanks
06-05-2009 10:39 AM
Im in so cal as well and GEMB Jc Pennys pulled only EQ for me.
Thanks Carter, I was hoping it would be EX, since they are my best score at 790. Maybe I can sneak by with a EQ of 709.
06-05-2009 10:50 AM
Pretty sure JC Penny (GEMB) always pulls EQ. BTW, the database I checked showed those who applied in store received MUCH better CLs than those who apped online. The only CLs at $1000 and above were in store apps. Another note.. my experience with JC Penny has been that they give frequent and generous CLIs. So, even if you choose to apply online and receive a small CL that will most likely grow quickly to a decent CL.
Mine went from $300 to $2900 in less than 2 years with very little usage.
Good luck to you!
06-05-2009 11:37 AM
Thanks for the input. The reason I was asking is that I am in the market for some new lounge chairs. I happen to like the last set I got there about 15 yrs ago. I know they will run about $1500 for the set. I thought that I could maybe get a credit line with them, to help my mix, instead of just paying cash. I guess I will go in and just talk to them in person. I guess if they want to make the sale, they will have to approve me, dont you think?
06-05-2009 12:02 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.