Other National Credit Reporting Companies
2010
Has anyone had a problem with Macy’s Visa issued by Department Stores National Bank?
I was asked 2 yrs ago at Macy’s to open an account. I was rebuilding my credit at the time and did not want to but I tried as the salesgirl was especially nice- Well I got it and it was a Macy’s Visa not just a store card- I used it and paid it off- was never late- I did not go late on other accounts and now they cancelled me and said my credit score was not good enough- I contacted Experien and my history is not bad- I am buying a house soon and need some advice who I can contact to fix this mess. I want to cancel my Macy’s store card too now but fear that it would look bad on the credit report to cancel my card. It seems like the credit reporting companies do not assist consumers like I thought they would. Thanks for helping.
You may not think it’s bad, but you don’t meet the standards for Dept. Stores National Bank, like it or not even if you think your history is OK.
The credit reporting companies only collect information. They cannot help you with a lenders decision.
You need to get rid of some misconceptions like Experian, etc can do anything about this…every lender makes its own decisions and can do anything they want.
If you’re going to buy a house make sure there are no outstanding collection or past due accounts. Go ahead and close the Macys card if you don’t intend to use it again.
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