sisflomi Posted April 29, 2003 Report Share Posted April 29, 2003 I talked to my cu today. I had a total of 4 loans with them. One current, installment secured, Open 3-2003, 1200 limit, paid all but 100.00 as of April 20, first payment date. 2nd joint w/ex-hubby, loan was for jet skis, they report as bk of 1998. I paid the account, and do have re-affirm paper and payoff paper to prove it was paid. 3rd Joint w/ex-hub is a visa, paid in full, never late, they don't report this one to me but do to my ex-hubby. 4th joint w/ex-hubby was auto loan, pif on time, no lates. EXP sent them my dispute. The cu pulled a hard on my cr today. I called, they told me that is what it was for. They said they will remove the hard inq and do a soft, or what they call a bullseye, which only shows what they report. They also are pulling ex-hub to see what his shows. They said they would fix all the accounts, only not sure if they could report the visa to me or not. It was joint, even ex-hubbys shows as joint. They just don't report to me. My question is, will these old accounts help me at all if they are reported paid as agree, in full, no lates? Most have open dates 1990-1997. Paid off dates are 1997-1999. What do you think? Is it a waste of time and energy to make sure they get it all reported correctly? Link to comment Share on other sites More sharing options...
crofttk Posted April 29, 2003 Report Share Posted April 29, 2003 <blockquote>Originally posted by sisflomi... My question is, will these old accounts help me at all if they are reported paid as agree, in full, no lates? Most have open dates 1990-1997....</blockquote>Well, heck yeah, I think so ! These accounts are up to 13 years old. I don't know what else you have on your file, but it seems to me if you get negative tradelines that should have already come off of your report (or soon would at end of 7 years) converted to positive tradelines which usually hang around at least a few years more that could do nothing but good (as long as they don't contribute to having too many accounts open). OLD positive tradelines are like gold on a credit report, IMHO.<blockquote>Originally posted by sisflomi... Is it a waste of time and energy to make sure they get it all reported correctly?</blockquote>1) I guess that depends on if you want to be able to apply for credit soon, how much, and what for. That is, I wouldn't think it a waste if you want or need your credit to reflect your character as a borrower correctly.2) Another reason to invest some time in straightening things out is, as I mentioned above, if the TLs stay negative they might be deleted in the near future and you may have a heck of a time getting them back on there (as positives of course).That my 2 stars worth, hope it helps ! Link to comment Share on other sites More sharing options...
sisflomi Posted April 29, 2003 Author Report Share Posted April 29, 2003 Yes thank you, its helps a lot. They are closed trade lines and will be reported that way!!! I am keeping my eye on them, to make sure they fix them the correct way now!!!! I don't need nor want immediate credit. Have three charge offs as of 5-2002. So, have to really work on them. One judgment, working on now. The rest were in my bk, or paid off and on time. Have current credit card with household, and am doing ok just with that!!!!!! This debtor LEARNED HER LESSON!!!!!!!! Glad to know they will help in the long run. Thanks again!! Link to comment Share on other sites More sharing options...
crofttk Posted April 30, 2003 Report Share Posted April 30, 2003 Not a problem. Here's a bump to the top for ya'.Anybody else ? Link to comment Share on other sites More sharing options...
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