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After being declined by care credit I requested my EQ report from EQ and compared it to the report I pulled here, as usual the EQ is more detailed. Here's a summary of why I was declined...
-age of oldest account 8 years 8 months, not great but not bad either
-too few accounts currently paid as agreed not a late reported ever and all accts say Pays as Agreed
-lack of finance company account information really not sure about this everything appeared to be correct the day I app'd
-lack of recent retail account information maybe they didn't like I haven't used Jcp? But use all other cards?
I received my EQ report by snail mail today and I'm not seeing any of these reflecting on this report. All of my accounts say Pays as Agreed. In the current status section on my GEMB/Lowes, GEMB/Jcp & Wells Fargo it says Pays as Agreed, Type Revolving, Charge Acct-Individual Acct Additional Information- Charge Amount in High Credit Column is Credit Limit. Am I understanding this correctly because I'm reading it as whatever my highest charge amount was is my credit limit? However it plainly states for example on Lowes High Credit- $3120.00, Credit - Limit $10K - Bal $1625
Is this the CCC's way of cld'ing without actually reducing your cl? Anyone else see this on recent reports from EQ not myfico or have any comments?