I applied for a Visa Classic with a 3K line and was turned down due to Excessive obligation in relation to income Deliquent past or present credit obligatinjs Slow repayment history or continued indebtedness And a colledtion account. They Pulled Experian for this. I just got back my updated Experian report where I disputed many accounts as Never late they updated Capital One deleated HRUSA/CompUSA updated Household bank and MBNA remained. MBNA shows as Paid in Settlement.Current ws past due 30 Days. 30 Days as of 8/2001, 3/2001 Verified on 8/2004 remains unchanged The Household they Verified shows Paid in Settlement in collection as of 9-1002 legally paid in full for less than full balance. Another Household now shows Closed/Current, was a collection. Shows collection as of 4/2004 3/2004 and 120 days as of 5/2004 Again how can they show 120 days late once it goes to collection? I thought it can not be in collections until it is 180 days late
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Ok I bought the reports at Myfico.com Equifax 589 Experian 556 Transuinion 644 Delinquency info below -*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-* Equifax Account Type Company Account Number Current Status Worst Delinquency Negative Description More Info Open Account AFNI, INC. Not on record 120+ days past due No More Info Open Account AMEX Not on record Bad debt/collection No More Info Revolving CAPITAL ONE Not on record 120+ days past due No More Info Revolving HOUSEHOLD BANK NA IL Not on record 120+ days past due No More Info Revolving CBUSASEARS Not on record Pays account as agreed 120+ days past due No More Info Revolving HHLD BANK Not on record Pays account as agreed 120+ days past due No More Info Revolving COMPUTER CITY/ACB/CO Not on record Pays account as agreed 30 days past due No More Info ANFI is a collection agency. I started paying before I came here. They are paid and satisfied. They will send me a letter showing it in Sept. I have been currentwith them since June. They are not reporting correctly AMEX I admit I owe the money to, never paid, I can pay them next month if they will agree to delete. don't have an address yet to send the pay to delete letter to Capitol One I was in collections through UCS, again before I came here, did not get anything in writing that they would remove. UCS does not show on credit report at all Paid the agreed upon amount. CBUSASEARS I was late a long time ago, think a good will letter would help? HOUSEHOLD BANK NA IL and HHLD are the same company can't tell if they are the same account duplicated COMPUTER CITY/ACB/CO Yeah I was late once I admit it. -------------------------------------------------------------- Experian Collection #1 Anderson FIN Network I They are AFNI. Paid in full. but showing wrong information. They show I have a balance of 239 as of August. I HAD a balance of 75.00 which was paid off. I have a balance of 0 Delinquencies and Derogatory information on accounts Account Type Company Account Number Current Status Worst Delinquency Negative Description More Info Revolving MBNA AMERICA BANK NA XXXX Account legally paid in full for less than the full balance 30 days delinquent Yes More Info Revolving CAPITAL ONE BANK 53075821XXXX Account legally paid in full for less than the full balance Charge Off, Collection, Or Bankruptcy Yes More Info Revolving HHLD BANK 771XXXX Account legally paid in full for less than the full balance Charge Off, Collection, Or Bankruptcy Yes More Info Revolving DISCOVER FINANCIAL SVC 60110018XXXX Account legally paid in full for less than the full balance Yes More Info Revolving AMEX 05263116801639XXXX Unpaid balance reported as a loss by credit grantor Charge Off, Collection, Or Bankruptcy No More Info Revolving HHLD BANK 001613XXXX Current account/was a collection account, insurance claim or government claim or terminated for default Charge Off, Collection, Or Bankruptcy No More Info Revolving CBUSASEARS 3573XXXX Current account/was delinquent 120 days past due date 120 days delinquent No More Info See Equifax for most of these Discover and MBNA, setteled for less than full when I was unemployed. ------------------------------------------------------------- TransUnion Collections AFNI. They are also Anderson FIN Network I Paid in full. but showing wrong information. They show I have a balance of 239 as of August. I HAD a balance of 75.00 which was paid off. I have a balance of 0 Delinquencies and Derogatory information Account Type Company Account Number Current Status Worst Delinquency Negative Description More Info Open Account AMEX 05263116801639XXXX Charged off as bad debt No More Info Revolving Account HHLD BANK 200XXXX Payment after charge off/collection Yes More Info Revolving Account CAPITAL 1 BK 53075821XXXX 120 days past due No More Info Revolving Account DISCOVER FIN 60110018XXXX Paid or paying as agreed Yes More Info Revolving Account MBNA AMERICA XXXX Paid or paying as agreed 30 days past due No More Info
see what you can do to dispute the negs on experian. Patelco only pulls experian and someone physically looks at the application. Once they are gone, you should have no problem getting a card.
How would you dispute the negs when MBNA, Capital 1 and HHLD was verified when I sent them a letter Experian a letter saying I was never late. Do I ask them how they verified the information?
Just a friendly suggestion, how about shortening your sig (your LONG list of scores from mycreditkeeper.com)? You're posting 4 sets of scores only a day or two apart, with little change, and it adds to bandwidth congestion on an already S L O W site. How about just your LATEST scores from MyFICO (the scores that count!), as you listed above: Equifax 589 Experian 556 Transuinion 644
Anyone have the # of someone at Patelco I'd like to ask them to re-consider once my Charge Offs drop off (well Amex won't just yet)
