Separate names with a comma.
Discussion in 'Credit Talk' started by apexcrsrv, Sep 9, 2008.
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 nationwide. Get application response in 60 seconds.
CREDIT CARD FOR BAD CREDITFirst Access VISA®
Green Dot primor® Visa®Classic Secured Credit Card
Credit lines available up to $5,000! Reports to three national credit bureaus; perfect card for reestablishing credit.
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
can you explain the date of status for me, and what it means?
Date of status should read as of the date the account went 30 days past due and was never brought current (for a charge-off). Same applies to a 30 or 60 day late. Should read as the month it happened.
All too often, Experian will put the date of status as the date the tradeline was verified thus, making it appear brand new in the eyes of FICO.
Experian does not have a DOFD field, or a DOLA field, so as Apex said, DOS is the only field that FICO has to calculate by.
Which of course is pure BS
Exactly. DOS is a random meaningless date, that can fubar a score faster than anything else.
It also makes it a risk every time you file a dispute with EX. If they change that date of status to the verified date, guess what happens?
yeah they did it to me. but i print my report daily, so i phoned them up and told them i would be happy to submit to them a copy of the orginal reports (i have one for every day for the past year) along with my letter to the FTC re: changing the dates etc etc and a bill.....the person on the phone got pissy and then gave me a supervisor.
magically the date changed the next day. odd isnt it?