Nighthawk78

bump so i can find this later

1. Yes. Once they close the account (whether it be at the creditors or consumers request), lates can still be reported. I had a Cap1 card that was opened in 2001 and closed in 2003, that was still (as of 2 months ago) reporting (2) 30-day lates. I GW'd them 2 months ago, and they removed the lates. You should try to GW Juni. The account was closed 6 months before the late happened not the other way around 2. I would imagine it depends on the terms, but possibly. Closed is closed....either way, but I have never had a company close my lines, I have always voluntarily closed them. I applied for a bunch of accounts when Barclays was on an approval spree. they corrected it by closing all but one called it due to computer error. It was actually closed by them, but they reported closed by consumer. I was under the impression tha an account closed by creditor was a bad mark on a credit report.

I went along with the Juniper party some months back and I had the cards for about a month before they closed all but one. In the mean time I had transferred balances on to them from other cards I planned on closing. When they closed my accounts the have them market closed by consumer, which they are not. I believe, but correct me if I am wrong, that closed by consumer is better then closed by creditor so, so i have not challenged them. Ok now, I slipped up on one and forgot to pay it, and got a 30 day late. My questions are: 1 Can they report a 30 day late on a closed account? 2 Does closed by creditor effect the credit score? 3 Has anyone had any luck negotiating a 30 day late removal with Juniper?

After absorbing Countrywide, BOA doesn't have the capital to grab up barclays. not to mention the regulatory struggle that would be.

Discover and American express are different from visa and mastercard because the extend you credit directly where as visa and mastercard only process transactions and credit is granted by another financial institution.

Student loans only count in the credit review process in such purchases as buying a house and depending on your credit in some rare cases buying a car. They are then projected into your debt to income ratio.

I would reccomend openingdirectly contacting the bank and talking to the representitive responcible for the short sale. you will be able to guage from their responce if this deal will go through.

If the name does exactly match, the information reported it cannot be confirmed and will be deleted. it makes it easier to have items removed. In addition, it protects you from potential identity fraud

Has anyone had any luck getting names removed off experian? I have fought and sent letter after letter to get them to remove the names. They refuse and claim it is historical data. what recourse do I have is there any technique or successful stories about getting them removed?

That is good point, they will go after your tax returns if you provoke them. If you work with them they are great, but if you work against them, they do have sharp teeth. Must be nice to have Uncle Sam in your back pocket. I wish I could get Uncle Sam to go after some of the people who owe me money.....

I have had some luck getting them to remove lates and dealing with the 2001 fiasco when they bought out nex card and closed everyones accounts and opened new combined ones, and didn't credit payments in the right places thus reporting lots of lates. They are easy to deal with and will even reactivate your account if you start making payments. They do not farm out to a collection agency usually so the 1-2 punch doesn't work often. My best advice is work with them and you may end up with a positive tradeline.

can you clarify what the maintance charges are ? HOA? Management and maintence firm?

I would consider getting a second opinion maybe from another bank an almost 1% jump between the rate and the APR may mean you are being taken for a ride on fees. that is awfully high. when I actively wrote loans even my subprime loans did not go over .75% higher. Maybe things have changed, but I would reccomend getting someone else to give you a ball park price on their fees.

try this letter http://creditboards.com/forums/index.php?showtopic=51763

Wait a second, since when are collection accounts "open accounts?" I have never seen a single one listed as an open account. They are usually listed as derogatory or collection account. Open account implies that the collection company is the original creditor and that the account is newly late as not to be charged off.