Anybody know of a card or loan with a decent interest rate (at or below 9.9) that does not report to the CRAs? I would love to be able to have my debt not show on the CRAs.
What an ideal situation - but no - of course not - all lenders report to credit bureaus - as well they should.
Well, hey, pick the one you want to lose, and dispute something - balance, issue date, etc. They all seem to be fond of deleting positive accounts. So far, DMB got deleted from TU when I disputed the balance. They report once or twice a year. I had a sizable balance, paid it off, and wanted it to show up that way, they wouldn't respond, I guess, so TU deleted it. I am now disputing it on the other 2 - crossing my fingers I agree, a hidden line of credit comes in real handy. breeze
Interesting thought. Dispute the higher, newer cards. Leave smaller cards with longer history. Get new cards b/c you look like you have less credit available to you. Hmmmm.
Really, you can use it to suit a number of purposes. Carrying a large balance and not having it throw your ratio out of whack is another one. You can have that ultra good 10-15% ratio without paying it all down, hahahaha. All in all, the 3 stooges may be doing us a back-handed favor. breeze