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bbatman

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  1. Hello all, Is there anyone here with knowledge of Discover Card and where they will send updates to CRAs based on a consumer's request? Specifically- my payment is due on the 14th of every month. They seem to do the monthly update on the 16th. I was at a very high utilization but recently paid off to below 50%, it's what I can afford now and can knock down to 0 probably within a month. I recall reading somewhere they will send updates to CRAs upon request. I couldn't find anything on this board but I know I saw it somewhere. Is there truth to this? Thank you
  2. I do understand the credit wise isn't a real score. Citibank already updated, and C1 normally updates on the 7th of my month, I was told yesterday when I called to complain they didn't update that they have to wait 20 days or some nonsense. Of course, if it was negative, they wouldn't hesitate to update. C1 dd send some salamander law firm after me last year and I counter sued and got 1K for a violation out of them. So that helps a little bit. Citi was weird, they kept it on the books forever, didn't try to come after me, contact me, anything. If they blacklist, whatever, I am good with BAC, JPM, I never had an AMEX, my Discover is 17 years old and perfect history. I had a really rough patch in 2014-2015 but I'm all good now, I will qualify for NFCU also very soon. What I thought was weird was that Creditwise is reflecting C1 as paid 0 balance but Discover tracker which also pulls TU doesn't reflect it, and Experian credit tracker doesn't reflect an update either.
  3. No, but I am currently disputing both. I needed them paid as I was switching firms and the unpaid C/O would keep me from moving. I think there was still about 3 years to go on each under the NJ SOL; it was about 10K total, there is some peace of mind in knwing they're paid
  4. Bumping. I paid this directly with Citi about a month ago; I also had a Cap One which never got sold, paid as well about 2 weeks ago. Utilizing Credit wise available on Cap One website, my score jumped 77 pts today. Huge. Some Friday fuel for all of you.
  5. I have an account with them right now still on their books-charged off, but not sold. Last year, I had a letter to the EO, a few weeks later they had Fenton Mcgarvey try to come after me within the 30 day window of the dunning letter which I disputed within the timeframe required. I have a law firm dealing with them now to collect $ on their violations. I called Cap One last week and today to try to pay the thing--I just want it to go away and I have the cash. A rep said a different firm has it now. Feel free to PM me-any more thoughts on this? No communications from this second firm. No other firms or agencies apart from C One is listing on my report right now.
  6. Yesterday, 11:52 PM So here's my situation; I have an unpaid chargeoff on my Citi Diamond Preferred few years old. It is reporting on TU only and reporting the DOLP as 10/2013. I believe the C/O date was no later than June 2014. They continue to report it, so it is hitting my scores. I believe about a year or so ago I may have gotten a letter or two from IC System which I quickly hit with a validation request, never to be heard from again. No CAs or JDBs have called or mailed. Seriously. Balance listed is $6289.00 Credit limit on the card was $5500.00 No CAs, JDBs, anything, have made inquiries on credit report. I came across this article tonight http://www.foxbusine...-card-debt.html I want to get rid of it as my state (NJ) SOL is 6 years. Any suggestions? I did some searches and did not see much recent material concerning them here. Thanks so much-
  7. So here's my situation; I have an unpaid chargeoff on my Citi Diamond Preferred few years old. It is reporting on TU only and reporting the DOLP as 10/2013. I believe the C/O date was no later than June 2014. They continue to report it, so it is hitting my scores. I believe about a year or so ago I may have gotten a letter or two from IC System which I quickly hit with a validation request, never to be heard from again. No CAs or JDBs have called or mailed. Seriously. Balance listed is $6289.00 Credit limit on the card was $5500.00 No CAs, JDBs, anything, have made inquiries on credit report. I came across this article tonight http://www.foxbusiness.com/features/2016/02/24/citibank-will-stop-collecting-34-million-in-credit-card-debt.html I want to get rid of it as my state (NJ) SOL is 6 years. Any suggestions? I did some searches and did not see much recent material concerning them here. Thanks so much-
  8. Bump, I am in the process of this right now. I had 180 day lates at BAC 5 years ago that never charged off. Paid off account in full under payment plan. BAC has deleted all records of my card. Equifax and Experian still list derogatory items.
  9. all different on each. EXP has 2X 30 (12/2010-1/2011) EFX has 1X30 (1/2011) TU has 2X30 1X60. (12/2010-1/2011-2/2011)
  10. In my instance- I had a Littman store card (was managed by Citibank) in 2010 and 2011-my marriage was falling apart at the time and I went 30 days late twice in late 10/early 11, and then paid the card off in full. It never went to collections. I am trying to get my reports as clean as possible, so I just want the TL gone. I disputed with the CRAs and it came back "verified". This is obviously false, and I am trying to locate the letters back--I received the "previously investigated" letters from at least 2 of the three. I have not been on CB in awhile. Called Citibank today and was informed the Littman portfolio was sold to TDBank. Called TD and they claim to have no records of any account with my SSN. Another thing--credit reports all read Fred Meyer; it was a Littman card, and there isn't a Fred Meyer within 2,000 miles of my home. Any ideas?
  11. Why not try writing the Executive Offices?
  12. Help or hurt? My oldest TL was/is an MBNA card that converted to BAC. Of course, I screwed it up 5 years ago and had multiple lates. They range from a 30 days in October of 2007 through a 180 in early 2008. At this point, it never charged off, I went into a hardship plan And got it paid off in a little less than 2 years. This TL reports in full on EXP, reports with 4 lates on EQU, and does not report on TU. The account was established in 1996, which gives me 16 years of history. It was excellent history before and after this time; I have no other credit with BAC, although I do have checking, savings, and Merrill Lynch. My understanding is BAC keeps history info for 5 years. While I would be giving up 5 yrs of age, I would be getting a cleaner report. I have a few 30 day lates on Discover from 12/2010. My next oldest open TLs are Discover and Citi from 2001, Bloomingdales from 2002. These are all reporting Open. I have a PIF VW Credit auto loan from 2005 that has good history, except for a 30 day late in 12/2010. My newest TLs are a small Cap One card from 2011, a Cap One auto loan from 2011, and a Metlife mortgage from 9/2011. That mortgage will be PIF and closed in the next month or two as I have just finalized divorce and the house is under contract for sale. Your thoughts? Thank you.
  13. Thank you for the responses. I have Discover and Citi that are 10 yrs old, in fact just upgraded to Diamond Preferred. C1 was helpful for a time, but they aren't being a help to me.
  14. I have a Cap One card from February 2011--was in the credit step program. Original limit was 500, upped to 750 after I think 6 months. Never late, but do not have the feeling this card is going to increase much to at all going forward. Does anybody have recent experiences? I know they have taken on a lot of new cards via acquisition, so this might cha ge their Scoring/risk models. I am leaning towards just letting it go to 2 years reporting and cancel. Capital one isn't doing me any favors. Your thoughts? Thank you

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