I've been able to get credit cards without issue. I wanted to get a Verizon credit card because they offered $5 off of their bill if you used this credit card. They went thru this "Sagestream LLC" to get a credit report on me. They came back with 379. I didn't even know that was possible. My credit score is in the low 700's. I don't don't where this number came from, but an attorney is in my very near future.