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Discussion in 'Credit Talk' started by dd, May 3, 2001.
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When applying for new credit the potential creditor does not know if you have not used your previous cards for a couple of billing cycles. This alludes if you carry a balance because activity on the account does not stop. It's possible if you have a zero balance (by paying your card in full each month) they could tell because of the date of activity would have been a couple months, but very unlikely. Hope this helps.
Isn't it transunion that provides a history of how you use your credit? Is that available to a credit puller? If it is, obviously they know what you month to month balance is & how you used it
I'll tell you what happened to me though. Getting new credit brought all of my sleeping collection agencies out of the woodwork.
How - What do you mean?
When the collection agencies that hadn't bothered me for awhile noticed activity on my credit reports (new account, etc) they started calling again.
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