Pinklight asked:

I was thinking of applying for a store credit card, and I checked my credit on all 3 of the major credit reporting agencies. All of them are different with one being 50 points lower than the highest one. Do they go by the best score, or do they average out the 3 together to get a final FICO score for determination of the credit card?

batman asked:


I had never had any credit for about 23 years until i got a credit card. I started to buy things with the card and after a while in about 2 months I maxed out the card. The card was a Plantium Capital One credit card with about an 21.99% APR. Anyway after I maxed it out I started to pay on it but I was over the limit for about 3-5 months I think. It took me about a year and an half to completely pay it off. I did cut up the card and got rid of it asap. The last time/first time that I heard of my credit score was somewhere in above the 600 mark. Tonight (2-27-07) I wanted to check on it because of recent attempts (by me) to get finiching (bad spelling, sorry) for a particular item either by the web or the local area.

Please help, me?

Whitney asked:


I wanted to get information on what your credit report looks like after filing ch 7 bk. Does it still list all your accounts with the balances just with discharged on each, or is your credit report blank with just the bk on it?