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I am concerned. I can't seem to find a store credit card who is Bankruptcy friendly. Someone help. All advice accepted
Experian: 561
Equifax:566
Transunion: Unk
How old is your BK? Not an expert but if BK is 4 years or older you may have a shot with Macy's. I received a card from them last week and I was blacklisted because I defaulted with an affiliate company. tried my luck after maaany denials and I got approved Cl is only a 100.00 bucks but I really like macy's. So you never know!!! good luck
msberry28 wrote:
I am concerned. I can't seem to find a store credit card who is Bankruptcy friendly. Someone help. All advice accepted
Experian: 561
Equifax:566
Transunion: Unk
I received my scores from Equifax.com and Creditexpert.com for Experian
@msberry28 wrote:I received my scores from Equifax.com and Creditexpert.com for Experian
I believe your score from Creditexpert.com is a "PLUS" score. This is not a FICO score and is not used by lenders. FICO scores are the scores most often used by lenders and credit card issuers, so true FICO scores will give you your best information on where you stand.
Experian markets these PLUS scores to consumers, but they don't mean a lot.
@msberry28 wrote:
Oh ok. Well how do I get accurate scores to better tell me where I stand on my credit?
As has been mentioned no one has been able to pull their own Experian score since mid-February. Creditors can pull Experian and also there is a CU in Pennsylvania that supplies that information to it's members only. You can only buy true FICO scores at a few places. One place is here at myfico.
I suggest you do an internet search for "myfico discount codes" to save a little money. You can also purchase your Equifax score at www.equifax.com (sounds like you already did that) and your Transunion score at www.transunioncs.com.
From a BK years ago to:
7/09 TU-742 EQ- 779
8/09 TU-765 EQ- 783
9/09 EX pulled by lender 802
You can do the same thing with hard work.
@msberry28 wrote:
Oh ok. Well how do I get accurate scores to better tell me where I stand on my credit?
I believe the Equifax score you got from their site is a true FICO score. If I am wrong on that, someone will soon come along with a correction.
For your TransUnion FICO score, you can get that here from myFICO, or you can get it from transunioncs.com (note the 'cs').
That would give you 2 of your 3 FICO scores, and the Experian FICO isn't available for consumers to buy.
I would suggest that you do some reading here in the forums, especially on the Rebuilding Your Credit forum. You may have ways available to you to accomplish some credit repair before applying for a dept. store card.