Better Credit Blog

DECEMBER 2, 2020

Badcock is a large furniture retailer with more than 320 stores across 8 different states. Like many retailers, it offers financing for its products. For instance, whenever you check your score with a credit monitoring site or get pre-approved for loan offers, a soft inquiry takes place. Foreclosures. Repossessions.

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Better Credit Blog

DECEMBER 2, 2020

Banana Republic offers these cards through a partnership with Synchrony Bank, which issues credit cards for dozens of national retailers. Soft inquiries occur when you view your score, shop for quotes, or are pre-approved for a loan or credit card. Foreclosure. Repossessions. How Do Hard Inquiries Work? Charge-offs.

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Better Credit Blog

DECEMBER 2, 2020

Banana Republic offers these cards through a partnership with Synchrony Bank, which issues credit cards for dozens of national retailers. Soft inquiries occur when you view your score, shop for quotes, or are pre-approved for a loan or credit card. Foreclosure. Repossessions. How Do Hard Inquiries Work? Charge-offs.

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Better Credit Blog

NOVEMBER 19, 2020

They also have partnerships with major retailers nationwide like TJ Maxx, with whom they issue rewards credit cards. A soft pull happens when you go online to check your score, compare quotes for a loan, or get pre-approved for offers. Foreclosures. Repossession. A hard pull is more invasive. Charge offs. Late payments.

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Better Credit Blog

JANUARY 5, 2021

Did you apply for a Home Depot credit card, loan, or credit account? When you apply for a card or loan from The Home Depot, you’re actually applying with Citibank. Citi is a massive provider of retail credit cards and accounts. Project Loan. Foreclosure. Repossession. Home Depot CBNA On My Credit Report.

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Better Credit Blog

JANUARY 5, 2021

Did you apply for a Home Depot credit card, loan, or credit account? When you apply for a card or loan from The Home Depot, you’re actually applying with Citibank. Citi is a massive provider of retail credit cards and accounts, they partner with The Home Depot and dozens of other popular companies. Project Loan.

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Better Credit Blog

JANUARY 6, 2021

The popular retailer provides two credit card options: The Brooks Card and the Brooks Brothers Platinum Mastercard. As such, this type of inquiry happens when you apply for credit cards, as well as loans and lines of credit. Foreclosure. Repossessions. BRKSB/CBNA On My Credit Report. Charge-offs. Collections.

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Better Credit Blog

JANUARY 29, 2021

Citibank is a major financial institution that offers credit cards in partnership with numerous retailers, including: Best Buy. Soft inquiries happen when you pre-qualify for a credit card or loan, compare quotes, check your score, or get vetted for a job or apartment application. Foreclosure. Repossession. Charge-offs.

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Better Credit Blog

DECEMBER 28, 2020

CitiBank is a sizable national bank that offers a full array of banking services, loans, credit cards, and investment services. Shop Your Way is a Mastercard issued by Citibank that offers rewards points that can be redeemed on thousands of products from popular retailers. Try to get pre-approved for a loan or a credit card.

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Better Credit Blog

NOVEMBER 30, 2020

DSNB issues two types of cards in partnership with these retailers: American Express cards. Once you move on from comparing offers to actually applying for a card or loan, your credit report (s) will undergo a hard inquiry. To reduce the impact on your score, you should limit your credit card and loan applications. Foreclosure.

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Better Credit Blog

JANUARY 29, 2021

If you didn’t apply for a retail card from Macy’s, the inquiry could be a mistake, or it may be the work of an identity thief. Any time you apply for new credit, like a card, loan, or line of credit, the lender might run a hard credit check. Foreclosure. Repossession. Ask Lex Law for Help. SOFT INQUIRIES. Charge offs.

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Better Credit Blog

DECEMBER 9, 2020

When you apply for a retail credit card from Best Buy, it can lead to a hard credit check and lower your score. Hard inquiries happen whenever you apply for funding from a bank, retailer, or lender. Foreclosure. Repossession. Did you notice a new entry on your credit report from BBY/CBNA? Charge offs. Debt in collections.

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Better Credit Blog

DECEMBER 23, 2020

Among its extensive lineup of banking products, the institution offers credit cards in partnership with dozens of big-name brands and retailers. Whenever you apply for a line of credit, credit card, or loan, the lender will likely obtain your credit report as a means of vetting you. Foreclosure. Repossession. Charge offs.

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Better Credit Blog

JANUARY 5, 2021

Whenever you apply for a loan or a credit card, it leads to a hard inquiry like the one featured in your report. They partner with over 145 retailers and financers to offer cards and credit accounts. To avoid this, try applying for loans and cards within a 14-day window so your score isn’t hit with every application. Bankruptcy.

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Better Credit Blog

FEBRUARY 24, 2021

Retail cards. Repossessions. Foreclosure. If you’ve fallen behind on payments in an industry like one of the ones listed below, it could be to blame for the collections entry on your report: Bank credit cards. Telecommunications. This includes actions like disputing inaccuracies, asking for validation, and negotiating payments.

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Better Credit Blog

FEBRUARY 24, 2021

Retail cards. Repossessions. Foreclosure. If you’ve fallen behind on payments in an industry like one of the ones listed below, it could be to blame for the collections entry on your report: Bank credit cards. Telecommunications. This includes actions like disputing inaccuracies, asking for validation, and negotiating payments.

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Better Credit Blog

NOVEMBER 23, 2020

Retail cards. When you fail to repay a debt, whether it’s a medical bill, student loan, or credit card balance, it eventually enters collections. If you’re dealing with more than just debt collectors, these companies can help get you on track, whether you’re recovering from bankruptcy, foreclosure, a judgment, or repossession.

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Better Credit Blog

JANUARY 22, 2021

Department Stores National Bank issues retail credit cards for shoppers at Macy’s and Bloomingdale’s. If you applied for one of these retail credit cards, whether in-store or online, you signed off on a hard inquiry. Your credit report gets hit with a hard inquiry when you apply for a credit card, loan, or a line of credit.

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Better Credit Blog

DECEMBER 9, 2020

Belk/Synchrony Bank may show up on your report if you apply for a Belk retail credit card. Belk is one of the dozens of retailers that Synchrony Bank has a partnership with. Get pre-approved for a loan offer or credit card. Hard pulls happen when you apply for funding such as a mortgage, car loan, or credit card.

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Better Credit Blog

NOVEMBER 25, 2020

It is most popular for its credit cards, partnering with dozens of big-name service providers and retailers to offer rewarding credit cards. Abt Electronics is a popular appliance and electronics retailer that offers 6, 12, and 24-month financing with its Synchrony credit cards. Foreclosure. Repossession. Charge offs.

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Troutman Sanders

DECEMBER 4, 2023

On December 1, the House of Representatives approved a resolution to repeal a Consumer Financial Protection Bureau (CFPB) rule that mandated banks to gather data on loan applications from women-owned, minority-owned, and small businesses to help lenders identify business development needs and opportunities. For more information, click here.

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