Separate names with a comma.
Discussion in 'Credit Talk' started by mother2, Feb 27, 2001.
Barclaycard Ring™ Mastercard®
No annual fee, No balance transfer fees, No foreign transaction fees, Low interest!
CREDIT CARD WITH NO ANNUAL FEEBarclaycard Ring™ Mastercard®
Credit One Unsecured Visa®for Rebuilding Credit
Credit card for people with bad credit to rebuild credit!
BAD CREDIT CREDIT CARDCredit One Bank® Rebuild Credit
First Access VISA® Credit Card
Access to credit even with bad or limited credit! Reports to 3 major credit bureaus and accepted wherever you see the Visa® sign. Get application response in 60 seconds.
CREDIT CARD FOR BAD CREDITFirst Access VISA®
primor® Secured VisaClassic Card
Credit lines available up to $5,000! Reports to three national credit bureaus; perfect card for reestablishing credit. Guaranteed approval*!
SECURED CARD FOR REBUILDING CREDITprimor Secured Visa Classic
Credit One Bank® Unsecured Visa® with Cash Back Rewards
Get cash back on every purchase. Unsecured credit card with monthly monitoring for credit line increases. Improve your credit history with responsible use.
CASH BACK UNSECURED VISACredit One Bank
Re: Should I dispute or wait..
Have you disputed them as "not yours?" If not, give that a try first. Being that old they may not be able to verify. Especially if the banks have been bought out by other banks, etc. If that doesn't work you should wait a few months and then dispute as obsolete - but that's a longshot since they are only ~5 years old.
not 7 years yet.
You cannot dispute them as obsolete because they are not 7 years old yet. Also, you dont use the last activity date to calculate the 7 years, you use the charge off date. If that is before 1995 then you have a point. If you dispute as obsolete they will just drop it off and if the dates dont calculate to 7 years they will ignore your dispute and send you a letter telling you to wait 7 years.
You can either dispute the dates or 'as not yours'
BTW: This board is awesome.
And I agree. I like the new look myself. )
What about bankruptcy?
For accounts included in bankruptcy when does the clock start? When you file bankruptcy or when you discharge.
I had a chapter 7 filed in 05/94, and discharged 09/94
Re: What about bankruptcy?
I think it's the date filed....or is that for Judgements??
Re: What about bankruptcy?
The 7 year clock on the accounts (themselves) have nothing to do with the date of filing or discharge on the bankruptcy. They all have their own clocks, and the BK has it's own clock.
The clock starts on one of two dates:
(1) The 'original delinquency date' - the date on which you first became delinquent on the account and NEVER AGAIN became current.
(2) The date the creditor 'charged-off' the debt. This is *usually* about 6 months after the original delinquency date.
They'll use #2 if the debt was charged-off.
You didn't specify the type of bankruptcy. A Chapter 7 will remain (the actual BK, not the accounts included in the BK) for 10 years from the date of discharge, which is usually a few months or so after you file. If it was a Chapter 13 (reorganization), then it's 7 years from the date of filing, not the date of discharge.
Typically, your accounts will be delinquent BEFORE you file BK. This means that they will fall off BEFORE your BK falls off, regardless of which type of BK you filed.
Last Activity Date is NOT the same as the original delinquency date.