Dillards Dillards told me today that I can reopen my account since it was closed in good standing. Since the time I closed it, however, I had a bk, chapter 7, in April 1999. Still, Dillards said they don't pull a credit report but do a soft credit inquiry with no inquiry on my cr. This may be a chance to raise my FICO and get a department store card. Does anyone have experience and know if it is true that no inquiry is put on an a cr if you try to reopen an account? Any chance that I could get approved for a limit with a 582 FICO?