barkeep

I have had a BOA account for almost a year now. Had no problems up until today. I go to use my check card at the gas station. It doesnt work. I was almost sure I had money in there. At first I thought maybe something went through that I forgot about. I just paid cash didnt think about it until later. Called my wife and asked her if maybe she had used it. She checked the bank account and said there was a pending debit of 888,888.88 . I wasnt able to call the bank right away. I called just a little while ago and they told my the account was being closed!! The only thing I was told was I needed to verify some info with chexsystems. I tried to get more out of them but they simply told me they didnt have that information. I tried to call chexsystmes but I was told they couldnt talk to me until I ordered a report!!!! I am going round and round with these people no one will tell me anythiing. I am probably on chexxsystems as I had an old account close. However I have had this account for nearly a year. what can be done if anything?

I havent called them yet. I did apply for each sepertaley. I just didnt realise you could still be blacklisted after nearly 20 years. If I remember correctly the kays account I did have was back in 1989 or 1990. I didnt worry about my credit so much back then. I am not perfect with my credit now but I do a much better job. would it be better to go to the store and re apply or call them and see whats going on?

I have a couple of questions here. First are these 2 linked somehow? I applied for a card with jareds andwas denied. The reason listed was "poor credit history with us". I was like wth I have never had a jared account. A few weeks later I applied for kays. Declined for the same reason. Now I do remember having a kays account but this was nearly 20 years ago. are you black listed somehow if you had an account with them once?

according to their website you can have 3 HSBC cards. I have heard of people having more though. I only have one and was denied another one not because of credit but because I have an orchard bank card. I called them up and they said the cards were too similar. HSBC seems to make up the rules as they go along. Once my credit is good enough to get a better card the orchard bank card will be gone.

I think you should probably rely on the paper copy of the report if you have one. My online EQ is showing alot less than what the hard copy did. I have been told the paper copy is the real report.

I wouldnt pay anything that will drop off next year unless you can work out a pay for delete agreement. If I understand correctly a paid collection is only slightly better than an unpaid collection. If I am not mistaken it will also restart the 7 year period and they can report it for another 7 years. If you have the money I would try to work out a pay for delete agreement for as many as you can. Assuming of course the debts are verifiable and really yours.

well I certainly hope that is my real score. the things it says about what is helping and what is hurting my score dont really apply though.

well I have not sent in the next round of disputes. The paper copy I got was the result of the disputes. I am certain I would not have disputed the good trade lines. I am just wondering if that really is my score since there are so many things not showing up. Did every item you initially disputed come back with a disposition? I believe so yes. Most things were actually deleted. There are a few baddies still yet but Equifax was far more successful than TU or EX. Yes..

well I have not sent in the next round of disputes. The paper copy I got was the result of the disputes. I am certain I would not have disputed the good trade lines. I am just wondering if that really is my score since there are so many things not showing up.

Ok this is strange .. I recently got a paper copy of my equifax credit report and got a good number of deletions on it. I wanted to find out what my score was now so I went to myfico.com and pulled it up. 696!! I was so excited I almost jumped out of my seat. This was untill I actually looked at the credit report itself. There was almost nothing on it. There were only 2 accounts total. The paper copy tells a different story. I still have some baddies on there and 3 good ones. why the discrepancy between the 2?

I was going to try to get this card but right now I cant get any more hsbc cards. I only have 1 but thats what they are telling me.

I would love to be able to fire a few cards. unfortunatly I am still in the rebuilding stage.As soon as I can qualify for better cards though. The firing will start.

I was declined. not instantly but the reasoning they gave was beacause I had a BK.

None for me yet. Not for TU or EQ.

ah ok.. so they can still report after sol.. thanks. does the bk extended the time they can report?