Good Morning everyone,
Here is my story:
About 3 weeks ago, I was denied Bobs Discount Furniture (Wells Fargo Financial). Received the letter the other day stating and I quote :
*Excessive Use of Credit (all credit cards have been zero since November, 2008...never been late in 2 years)
*Recent Delinquency or Derogatory Public Record (judgement paid off 2007)
*Derogatory Credit Bureau (WTF?)
* No Open Mortgage that has always been current (I rent, never owned a home)
They pulled Transunion.
Of course I PIF the furniture I brought. Yesterday was in Sleepys and thinking I would be denied for Financialing, I was actually approved by GE Money Bank for $1700. Now this is the same company that dropped the limit on 2 of my store cards. From what I read on the forums they pull EQ. As you can see from my signiture they are my best score. I know I got 2 hits to my credit but it did not hurt to try.
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Thanks. It was a shock.