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Hello, I've been reading the forum for a while now and finally have my own question.
I have had a Wachovia student "classic" credit card for about two months now. This past month I applied for a Sears store card. I was denied, and they said because I had too many late payments. So, I went to transunion and looked at my report, and checked for each account I have ever had - this Wachovia CC and an account with Kay Jeweler for a few months. Both said I was "OK" for every month the account was open / no late payments.
However, at the bottom where it gives you suggestions to increase your score, it said to make payments on time / that there were too man (the same thing Sears denied me for). So I went back and reread the account details, still not finding any trace of a late payment. So, I called both Kay Jeweler and Wachovia to determine where the late payment was, and even they said they have no record of any such late payment.
Where is this coming from?
Thanks
What else is on your reports? Do you have any late utilities? Old closed cards with lates?
It's got to be coming from somewhere on there.
We are finally homeowners!!
Closed May 5th-30 yr fixed at 5.25%.
Welcome to the forums!!
Did sears tell you which CRA they pulled??
Did you look @ all three EX, EQ & TU?
They may have pulled your cr from one of the other cra like nexis lexis.
sometimes i hear it called the four cra.
Good luck let us know what you find.
INNOVIS is another some sort of credit reporting agency.
My car ins just went up, over some odd name credit reporting agency.
In the process, of trying to find out what they have on me.
Its enough to deal with the big three CRA.that report wrong info,now i have another one to deal with
good luck just hang in there ---knock one down @ a time.
Since you were denied credit you should be able to get the credit report from Sears. Or ask Sears which credit bureau the report was pulled from