I cannot believe it! They just approved me online for a $200 credit limit. Although I deleted several negative items last year from my CRA's, I still have a few baddies (some recent) but I do have several older accounts on my report that are closed with paid/never late. I only recently started to establish positive credit. Now that I have the Target card, I think I have enough lines and will not apply for anything else for at least 6 months to a year. Here's what I have open: Auto loan Opened 10/99 (one 30 day late, one 60 day oops) Cap1 Opened 3/00 $200 limit (one 30 day late 8/00 oops!) 1st Premier Opened 1/01 $400 limit never late First National Opened 1/01 $250 limit never late Orchard Opened 2/01 $300 limit never late Target Opened 3/01 $200 limit never late (obviously) Texaco Opened 5/00 $300 limit never late Currently, Texaco does not report but I've heard they will if you request it. I plan to request it since it's almost a year old and the extra $300 available can boost my scores I pay the cards off monthly. Cap1 told me to call back in a couple of months for an increase. I know those lates on the car payment and cap1 are hurting me, but maybe I can convince them to delete the lates. I will try. At least I am confident it won't happen again now that I am dedicated to cleaning my credit. It shouldn't have happened in the first place - I was just lazy about sending payments and I just had the attitude "I don't care since my credit sucks anyway." Until I found this board and others and learned I CAN repair it.
Texaco would not report to the CRAs when I asked them to. I closed and use my AMEX for gas purchases, since I never revolved a balance on my Texaco anyway.
There was a post the other day about this and a few people talked to them and they said they would report. I think it depends on which bank your Texaco card is financed through. I think they use 2 - Associates and I don't know the second one. Which is your's through?
It was thru Associates, but thinking back, it could because I never revolved a balance. Maybe they didn't want to go thru all the hassel for someone who doesn't carry a balance. Hope you have better luck, since I was disappointed that they did not report.
I was talking about Texaco the other day--they actually offered to report for me....I was late one month and was concerned about it hitting my credit report---that's when I found out their policy am
I usually carry a small balance on the card for no reason, but I would like to have it reported. Of course, with my luck they'll say no but it doesn't hurt to ask.
mvfl, Why in the world are you carrying on exchanges with this person. I guess advise is advise. roni
