when you opened VS do you know who they pulled. I believe they only pull EX here in so cal. Also what CL did they give?
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.
Are there any that are particularly good about reporting to all three every month?
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?