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About CuriousInSD

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    South Dakota
  1. Thanks! I love this: "Manage your debt, not your credit score."
  2. Bump - re: my last two questions in paragraph three, I need to respond by the end of May. Thanks in advance.
  3. I had a Sony Card with Capital One for over 3 years, with perfect payment record, and when I found out Comenity Bank purchased the Sony Card from Capital One I closed my paid off, in good standing, account with Capital One before Comenity took over the account. Capital One reported the account on CRs as “Account closed by consumer.” I thought that I was done. I see that my CRs now show my closed account as reported by Comenity Bank, and no longer shows it as Capital One. All the other information, all positive, is unchanged. — Should I dispute this? — I called Capital One, where I have other accounts, all in good standing, and they can’t even look at my closed account because Comenity Bank has the files. I was all paperless and have no paper records, it’s all with Comenity Bank now, with whom I do not have an account, nor do I want one. Here’s the annoying part… I closed the Sony Card because I did not want to deal with Comenity Bank, but they sent me an “Important Notice About Your Credit Card Account” saying they are changing the Account terms, and if I object they will close the account. WHAT? I didn’t authorize them to open an account. — If I object, and they “close the account” can they report on my CRs “Account closed by credit provider?” — Should I ignore them? — What should I do? — ————————————————————— I’m a senior citizen recovering from BK7 eight years ago to get out from under upside down property. Payment record flawless since then, now with over 50K credit across 9 cards from 5 granters. I pay everything off monthly, and haven’t paid any credit card interest in 8 years.