Originally Posted by R8ers
No I am not, I think transunion is not reporting my credit card and have a mistake on my report...
Once you pay everything off and have no debts reporting, you will see a credit score drop regardless of how much money you have.
Thats why it is VITAL my limited reporting is being reported correctly.
Capital One will give ANYONE with either no credit (and no flaws) or a score in the mid 600s a REWARDS card with no yearly fee.
So will barclays...
so will a lot of other places
2 years ago I got two cash back $0 annual fee credit cards with a score of 640 due to a defaulted student loan that I rehabilitated and paid back in full 5 years back
now I'm in the low 700s...not great, but not bad for letting a loan default (one that I didn't even know about since I took it when I was 18 for beer money because I'm an idiot)