Sunday, August 9, 2009

Dept. store credit cards?

lately I%26#039;ve been wanting to check my credit score,



mostly because I know it must be low..



I%26#039;ve had an Old Navy card since August...and havn%26#039;t paid a bill yet. When I go to a website that offers a free credit score, it asks if it%26#039;s ..Visa, Mastercard, or American Express ect.



Why can%26#039;t I check my credit score for my clothing store credit card? It is the same? Im sure you can get bad credit with those as well..



Dept. store credit cards?yes loans





i hope you mean that you have not use the old navy card -- if not you are in deep trouble in the credit report area!!!



Dept. store credit cards? loan



If your dept store card has a visa or MasterCard logo, then you can use it. My Macy%26#039;s card has a visa logo, so it could be used. They don%26#039;t accept strictly department store cards that can only be used in the dept. store.



No when you say that you haven%26#039;t paid a bill yet, is that because you haven%26#039;t charged anything (I hope)? Because if you have an outstanding balance without having paid anything, that is not going to help you get a better credit score.|||Pull out your credit report completely, then you will be able to see all open and closed accounts in your name. This way you don%26#039;t have to just pick one account.|||Your credit score is an overall score for you, based on all your cards. The site is asking for the card that you want them to use to charge your every month, for the rest of your life, if you do not cancel the monthly service for which you are agreeing to pay. Credit scores are NOT free unless you are to accept a service that is, if you do not cancel in time, automatically billed to a credit card, which must be a major credit card, not a store card. Once you give the site the number for this card, it will give you a score that will be based on all the cards that have been reported to the credit bureau, which may or may not include the store card.|||Credit Scores are obtained from the three Credit Reporting Agencies not from individual credit cards. You can%26#039;t get



SCORES for free, however, you can get free credit reports



once a year for free, or when you have been denied credit



in the past 30 days. You can get them free by going to



Experian, TransUnion, Equifax, and now there is a new one



called Innovision. You can go to freeannualcreditreport.com



but their database has been hacked quite a few times.



www.creditinfocenter.com



buddhibbs.com

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