Checked TC acct today. Looks like they pulled EQ for me which last I checked was about 620 Fico. I have several charge-offs and 1 collectio acct on my EQ cr. Charge-offs are 4 yrs old and the collection acct is due to drop off in 02/2008. The creditor name is Sterling. Never heard of them. Anyone know what other cards are issued by Sterling?
Sterling is the parent company of Kay Jewelers and Jared at the Galleria. I read somewhere that if your are approved for Kay that Jared is pretty easy to get also. I have not applied for Jared, so I have no first hand experience.
Went to our local Kay to buy DW a new wedding set to replace the $200 one I gave her when we got married. Sales rep came back and said instead of the $2000 limit that I was e-mailed, my limit was actually $2800. It may be that they gave me a CLI because I was looking at some things that would have gone over credit line. What I bought did not go over limit, but still got increase.
I got a Kay account 2 years ago, but have never used it. I should go in and get a pair of tiny diamond earrings I've always wanted, then pay it off. At the time I got it, I'm sure my scores were in the mid 500's or worse.
They will report the CL as $2K but want to make sure you have a little extra available for the warranty's and tax.
Using it all will still mess up your FICO score though.
@Anonymous wrote:
Went to our local Kay to buy DW a new wedding set to replace the $200 one I gave her when we got married. Sales rep came back and said instead of the $2000 limit that I was e-mailed, my limit was actually $2800. It may be that they gave me a CLI because I was looking at some things that would have gone over credit line. What I bought did not go over limit, but still got increase.
Hey, one out of two is good
