When Is WFFNB Not a CFL?

UpNComing · ‎02-16-2012

We had Empire Flooring install new floors last July. The financing they offered was 0% for 12 months through WFFNB. Despite the jitters about the possible CFL trade line we went ahead and took the deal. My question is, how do I know if it is a CFL? I looked at my CR and its listed as type: charge account. Did I dodge the bullet? Or am I not looking at it properly?

CSP ($5k); Chase MileagePlus Explorer Visa Sig. ($6k); Chase Freedom Visa Sig. ($6k); BankAmericard Cash Rewards Visa Sig. ($5k); Amex PRG (NPSL); Amex BCE ($1k); Citi Thank You ($5.4k); Barclay Apple ($4.2k) CapOne Cash ($2.5k) CapOne Platinum ($2.5k) Wells Fargo Home Project Visa ($10.3k) Discover IT ($1.5k) WalMart ($3k); Lowes ($3k); Amazon ($5k); Kohls($1.5k)

Scores: Equ Fico 715 ~ Exp 724 ~ TU Fico 682

pizzadude · ‎02-16-2012

I think it has something to do with the way the creditor is classified with the CRAs. Unfortunately I have never been able to see anything on my reports where it indicates this, so it seems like you can't tell by looking....

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

UpNComing · ‎02-16-2012

So WFFNB always counts as a CFL then?

CSP ($5k); Chase MileagePlus Explorer Visa Sig. ($6k); Chase Freedom Visa Sig. ($6k); BankAmericard Cash Rewards Visa Sig. ($5k); Amex PRG (NPSL); Amex BCE ($1k); Citi Thank You ($5.4k); Barclay Apple ($4.2k) CapOne Cash ($2.5k) CapOne Platinum ($2.5k) Wells Fargo Home Project Visa ($10.3k) Discover IT ($1.5k) WalMart ($3k); Lowes ($3k); Amazon ($5k); Kohls($1.5k)

Scores: Equ Fico 715 ~ Exp 724 ~ TU Fico 682

Anonymous · ‎02-16-2012

@UpNComing wrote:
So WFFNB always counts as a CFL then?

No, they have many store CC which are revolving .