What is the general score department stores need, such as best buy, circuit city, pep boys? I have a 665 TU and 705 Eqfx. Also have a ch 13 more than 5 yrs. should i bother applying?
You have the score. Anything 650+ up they usually have no problem with (some dept. stores are execptions...). The BK is my only area of concern. I would probably contact customer service before applying and just ask. Some will say it matters, others will say it doesn't as long as it 2+ or older. Just my $.02. Have a great weekend. Dani
Every company has different guidelines, but if you have a BK on your record I would recommend that you start with a secured credit card that reports your good payment history to all 3 credit bureaus as unsecured, this should be your first step after a bankruptcy before applying for an unsecured line of credit. Good luck. Alex. Creditinsiders.com --------------- Free Credit Repair Help! http://www.Creditinsiders.com
I already have several credit cards with $5k+ limits, some accounts are more than 5 years old too. I just dont have many department store cards (only spiegal w/1400 limit).
I'm a year outside of my bk and have an unsecured visa and mc. I got Target on my second try, I already had Mervyns. I tried Penny's but didn't have any luck. But I never tried again after the first time like I did with Target. Just keep trying, there was also a post about credit after bankruptcy and darned if I can't find it. It showed what lines people were able to get 6 mos, 1 year, 2 years etc. after bk. Don't give up.
Heres the link about credit cards and BKs.. http://consumers.creditnet.com/stra...threadid=11580&perpage=25&pgnum=&pagenumber=3
Thanks Donna~~! I was trying so many different keywords to search and I just couldn't find the darn thing!! Already saved it so I won't lose it again! Thanks!!
