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Discussion in 'Credit Talk' started by mindylou, Jul 21, 2001.
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SUPPOSEDLY IT IS SUPPOSED TO HELP...but I have no INSTALLMENT LOAN except a MORTGAGE...they (EQUIFAX) said I need to apply for one, but it MAY not be worth the inquiry...
So, I get an inquiry for an installment loan...lose more points than I gain for having it in the MIX???
Mindylou,important to what? Ten point's on your F.I.C.O score is not going to make or break you.
The Kay Jewlers card is already considered a retail card.
Be very careful with store cards. Some of them are reported as finance company accounts to CRAs. Make sure that the store cards you apply for are issued by banks and not finance companies.
is WFFNB a finance co or bank???? I have my VS card from there. And how about RNB....who issues the target card.....yikes!
WFFNB is considered a bank and is considered a tier 1. So no harm done.