My question involves personal finance in the State of: Texas
I was recently denied credit for a Macys credit card. All of my credit scores are slightly over 800 and I have no debt so this really got my curiosity. I requested my credit report and there were no negative items, but the letter from Macys says there was a previously delinquent account. It turns out they have denied credit due to my ex-wife’s delinquent account which occurred in 1991 during a divorce. I have to question the validity of denying credit based on something that happened 17 years ago. Moreover, that delinquent account was subsequently discharged in bankruptcy after the divorce. Does the action taken by Macys violate any laws?