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Hi all,
Right now my credit score is hovering around a 620, but I have limited credit history. I have DiscoverIt Secured ($200), Capital One Platinum ($500), QuicksilverOne ($300), and Fingerhut Webbank ($400, which I don't use, just have to keep my util down). I want ONE store card to increase my total CL and keep util down and receive perks from a store I like. But I can't get the SCT to work for the life of me. I've tried all the tricks (incognito, clearing browser history/cookies, signing up for rewards via email, blocking pop-ups, etc).
Here's what I'm wondering:
When I view my credit report, my middle initial is included. Should I include my middle initial in my first name entry when checking out?
My credit report also has my address listed as XXX Streetname St X, where the apartment # is included in the first line and "apt" is exempt from the listing. Now when I try to get the shopping cart trick to work and proceed to enter this info, the store website includes the apt # in line two.
Has anyone had a similar issue and figured out how exactly to resolve it/enter the information to get the SCT to work?
If you are referring tom commenity capital I use to live in an apt and I put 123 Main St Apt #123 and it worked just fine for me in that format. Keep in mind SCT is no longer a SP as it usually results in a HP now days the days of SP's are mainly gone
Get a copy of your Equifax report.
Type in your name and address EXACTLY as it appears on your report.
Thanks everyone for your help! I opted against a store card and instead opened a Self Lender account sound way to up my score over the year and an easy way to save!