10-26-2008 01:49 PM
10-28-2008 09:15 PM
10-29-2008 12:30 AM
Some stores only report when you use the card. Example: you get the card in March. You use it in March and it reports to your credit file. The you don't use it anymore. It won't report until you used it again in say September. Jcp/GEMB is particularly bad about this.
What effect does this have on your FICO, if any? I just opened some accounts with GEMB.
10-29-2008 04:01 AM
Are there any that are particularly good about reporting to all three every month?
10-29-2008 04:08 AM
pdxuser, you're overthinking this thing!
Ha! I know.
So ... I'm guessing Best Buy and Home Depot aren't quite as easy to get as Macy's?