Separate names with a comma.
Discussion in 'Credit Talk' started by Momof3, Nov 7, 2000.
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
I think they dont put it on the report but when youcall they will tell you. Transunion is my best report, just the student loans and I know exactly when it comes off.
the 7 year (or less) clock
For pre 1996 delinquencies, the FCRA starts counting the 7 years from when an account was actually charged off, or referred to a collection agency. For post 1996 debts, the 7 year clock starts on the "date of original delinquency" preceding the charge off or referral for collections- which may be months earlier than the charge off date.
The FCRA is a federal statute. Many state statutes (based on wherre you live) give you additional rights. As an example, the 7 year clock starts on the "date of original delinquency which led to the charge off" for all debts (even before 1996) under California law.
Under New York law, there is a 5 year clock for paid charge ffs and collections.
The state law which applies is based on the state where you live, not on the location of the creditor or CRA.
The best thing to do is to write the creditor asking them to state the "date of original delinquency" in addition to the charge off or collections date. You can then determine when the 7 year clock starts (5 years if you live in NY).
If the CRA doesn't remove the item at the end of the 7 years, there are methods to use which I will not detail here to force them to comply wih the law.
I believe i understand this better now.