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Found 2 results

  1. Just got a denial for my DW to CLI her NFCU CC from $22K with total exposure $72K. Letter with denial says her score is 700 and lists the reasons it is not higher as: Serious Delinquency And Public Record Or Collection Filed Number Of Accounts With Delinquency Too Many Consumer Finance Company Accounts Length Of Time Accounts Have Been Established I'd like to identify the Consumer Finance Company Account(s) on her report. Looking at her report, my best guess would be that there is only one: Capital BankWhich was a secured credit card she had back in 2010 right after BK discharge, but I've got one too, but I've not seen that reason listed on my Equifax report as of yet. I have a July Equifax denial letter from Capital One that lists reasons my score is only 725: Serious delinquency, and derogatory public record or collection filed Number of accounts with delinquency Proportion of balances to credit limits is too high on bank revolving or other revolving accounts Length of time since derogatory public record or collection is too short Do my reasons have higher priority than Consumer Finance Accounts? Can anyone confirm that Capital Bank is considered a Consumer Finance Company? Is the the too many Consumer Finance Accounts only an Equifax FICO thing? Does the the too many Consumer Finance Accounts only apply to a particular revision of FICO (e.g. FICO-08)? Anyone know what version NFCU and Capital One use of FICO? How hard is Capital Bank to dispute off the report, it was closed in 2012 with the change of terms on annual fees?
  2. Hi CB Weekenders... I wanted to run this by you guys, this is on significant others credit reports (3 of them) This is reporting as CHARGE OFF every month from 06/2012- 08/2013. OC is reporting. This has not been sent to a CA as no CA is reporting. We did a pre-trial run on mortgage app and were told this needed to show paid with 0 balance at the very least if possible removed. Date Opened: 2/22/2010 Date Updated: 2/28/2013 Pay Status: >Charged Off< Responsibility: Individual Account Payment Received: $0 Terms: Paid Monthly Account Type: Revolving Account Last Payment Made: 11/9/2011 Date Closed: 5/3/2012 LoanType: CREDIT CARD Original Charge-off: $352 Estimated month and year that this item will be removed: 10/2018 I send out a letter to Capital Bank (formally Public Savings Bank) (the OC) explaining the situation and what lead us to default. Included a MO for the balanced owed asked if they would be willing to remove this trade line. ( This was 2 weeks ago ) sent via CM. I kept copy of letter and money order. I paid bcs we owe it and with the notion that a paid charged off is better than charge with balance and it's reporting every month and mortgage people said this would have to be paid eventually. Question is should i just sit patiently and wait to see what happens? any other suggestions would be great! I am in "whychat" land so i can't dispute with CRA's for a few months.

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