david4404

I was a victim of identity theft, a credit card and installment loan were fraudulently opened in my name. The credit card was with capitolone and has been charged off and sold to calvary portfolio services. Therefore the credit card is on my credit twice, once as a charge off and once as a collection. If I file a police report that lists capitol one account #xxxxxxxxxx and the installment account #xxxxxxxxxx, is that sufficent to have the collection account blocked as well or do I need the police report to mention the collection account? Thanks in advance for your help

is utilization looked at as a whole or by each card? if you have 2 cc with 1k limit is it better to have 500 on each then one be maxed out? do store cards count against available credit with the credit cards or is it separate? thanks

i agree with the fart/armani statement

i have an orchard bank for 2 months reports as capone

hopfully can get the lates removed before attempting this

if my mother added me as AU on her first premier card that shes had for 4 years would it give me 4 years of credit history? shes had 8 30-day-lates in the last 4 years on that account, would those show on my credit report as well? or would it show 4 years paid on time? thanks david

is it only amex? will first premeir do it? thanks

I have been in business for 4 years but am just now going to incorporate and work on building business credit. My question is will I get credit for my years in business as a sole prop. or only for time as a corporation? If so how would time in business as a sole prop. be verified? Thanks, David