I applied for a macys card 2 weeks ago. They pulled EX (CE is 604 was 607 before inquiry). I received a denial letter today. The reason.....Too many public records?!!?? On report: 1 BK from 98 2 $50 "included in BK" medical collections 1 Repo should be "in BK" but not reported that way 10 possitives 1 inquiry (past 6 months) maybe 4-5 in past 2 yrs 39 % avail. credit (high I know) Isn't the BK the only public record?? Possible reconsideration?
Too many public records can be one...just like you can have too many inquires...ONE I had too much owed on "STORE CARDS" $2,425 WAL*MART MAXED... 0.00% RATE...DUHHHHHH But add SEARS...then it is <30%...
The gave me a small amount. I have 2 medical collections and a few late (30 days) No BK Score mid 600
I thought Macys was BK friendly- kinda like target. Once you hit 600 they let you slide with low limit, guess I was wrong??
Donna, NG- Macy's is customer-friendly. Call the new accounts people and plead your case. They have flexibility. -mj
