Any success in Getting Sears Canada Transferred to Sears US

[L_n_O 3]

coool!!

ps, where you starting a new thread? in OT?

I gotta repost everything again??? =(

copy and paste this =)

[G&A 1]

well, I thought it probably should be okay because the woman looked at me funny when she realized that I didn't have an ssn number.. and recently when i had to call them and they said, for security reasons, what's your ssn, I was like, umm, i never registered with one, I do have two other numbers that they probably took at registration.. and she accepted that instead..

I'm sure they'd rather us just have good ol' ssn numbers.

I'll ask during my next ###### fest with macy's when they call to yell saying they haven't received a payment and I yell back "why aren't you mailing me my statements! stop changing and touching my mailing address! leave it the way it is!"

LOL yes please do. If that is the case I will get a couple cards in the store the next time i am down there AND i will enjoy that 20% off!

[L_n_O 3]

make sure it's 20% before you start buying though!! =)

[G&A 1]

make sure it's 20% before you start buying though!! =)

Hahahah i will! We registered at target and macys for our wedding...so i get 10% off of stuff that no one bought us. I am going to buy a mother load the day and sign up for both of their ccs. 30% off baby! It will make my husband happy...the $200 dollar candle sticks wont be so bad anymore hahah.

Edited August 7, 2007 by G&A

[Emancipation 2]

So I am now about ready to KILL Sears ...

After all the hoopla of the whole conversion of the credit card.. I went to use my CDN Sears card at the Sears Auto Shop (in the US obviously) last night (we had to buy new tires for our car) and they WILL NOT accept a CDN Sears Card.. Sound unbelievable?? But true.. 500 feet away there was a retail store where my card works, in the auto store - no go!!

GAH! So frustrating.. we had the $$ for it in the account but i was hoping to wait 2 weeks to pay the bill.. so we just paid it up front..

I have written a VERY nasty letter to Sears Credit US to tell them about all the difficulties I've had with them since I got here, and stating that I am now re-thinking ever shopping there again.

How could you brand the store as a SEARS Auto Center and not even accept the CARD??

Oh the kicker was when I walked out of the store last night they had BIG signs plastered all over the door saying Sears Card - USE IT HERE! GAHHHHHHHHHHHHH

[G&A 1]

So I am now about ready to KILL Sears ...

After all the hoopla of the whole conversion of the credit card.. I went to use my CDN Sears card at the Sears Auto Shop (in the US obviously) last night (we had to buy new tires for our car) and they WILL NOT accept a CDN Sears Card.. Sound unbelievable?? But true.. 500 feet away there was a retail store where my card works, in the auto store - no go!!

GAH! So frustrating.. we had the $$ for it in the account but i was hoping to wait 2 weeks to pay the bill.. so we just paid it up front..

I have written a VERY nasty letter to Sears Credit US to tell them about all the difficulties I've had with them since I got here, and stating that I am now re-thinking ever shopping there again.

How could you brand the store as a SEARS Auto Center and not even accept the CARD??

Oh the kicker was when I walked out of the store last night they had BIG signs plastered all over the door saying Sears Card - USE IT HERE! GAHHHHHHHHHHHHH

Thats sux! sorry to hear that. I do have to say though...that is the nastiest smiley i have ever seen in my life...i love it

[J&K 0]

I too have been having a terrible time trying to establish credit down here, so instead, I have taken my free time to improve and fix my hubby's credit!

I know people have been suggesting to get your significant other to add you as an authorized user on any credit accounts they may have to start your credit building process, but as of September 1st, FICO (the company that creates your credit score and is used to judge your credit worthiness) will no longer be using the authorized user to determine your score.

The Associated Press June 5, 2007, 12:01AM EST

Fair Isaac changing FICO score formula

By J.W. ELPHINSTONE

NEW YORK

Fair Isaac Corp. said Tuesday the next version of its widely used FICO score will no longer consider certain types of credit card accounts, closing a loophole that allowed strangers to coattail on a cardholder's good credit.

The new FICO score formula won't include authorized user accounts -- users on credit cards who are not responsible for paying the balances but are approved to make purchases with the cards. Often, authorized users are family members of a cardholder, such as college students on their parents' cards or spouses who have little or no credit of their own.

These types of accounts can improve a credit score if the primary cardholder kept low balances and paid the balance on time over a long period.

Fair Isaac plans to introduce the new scoring methodology in September to one of the three major credit reporting agencies: Equifax Inc., Experian Information Solutions Inc. or TransUnion LLC. The other two reporting agencies will receive the update some time in 2008, Fair Isaac said.

The company's action comes after lenders and industry officials raised concerns over credit renting, a little-known but growing practice that allows people with bad credit to piggyback on strong payment histories of credit card holders.

The person with a low credit score pays a fee to rent a spot as an authorized user on a stranger's account. The payment for the person allowing the piggybacking on his or her credit history depends on the quality of his or her credit line.

With an augmented score, consumers are able to receive lower interest rates on mortgages, car loans or personal loans. Typically, a higher credit score translates into a lower interest rate on a loan. Although federal authorities have yet to rule on the legality of the practice, lenders worry that if it becomes commonplace, they may unknowingly take on riskier borrowers.

For Fair Isaac, changing its score meant protecting the integrity of its credit scoring system. Ninety percent of the largest U.S. banks base their loan decisions on FICO scores, according to the company.

"We will do whatever it takes to protect the reliability and accuracy of FICO credit scores for lenders, and ensure lenders can continue to use FICO scores with confidence when making their most important customer decisions," said Fair Isaac Chief Executive Dr. Mark Greene.

Fair Isaac said that the new scoring formula will better predict consumer payment behavior and will require minimal changes to lenders' operating systems. The FICO score will retain the same scoring range -- 300 to 850.

But those college students and spouses who rely on authorized user accounts to build their credit stand to lose that benefit.

Tom Quinn, Fair Isaac's vice president of scoring solutions, said it was to challenge to find a solution addressing the credit borrowing problem because there was no way to distinguish between family members and strangers due to privacy laws and the Fair Credit Reporting Act.

[Emancipation 2]

I too have been having a terrible time trying to establish credit down here, so instead, I have taken my free time to improve and fix my hubby's credit!

Whatcha been doing to fix it?

[cmartyn 0]

My wife got a Macys card with her Canadian SIN too. Turns out, her SIN mapped to someones SSN. Watch that Macys. Its a pain changing your SIN to SSN when you get it. And it makes a nice entry on your credit report when it happens too.