jewel1980 Posted August 17, 2003 Report Share Posted August 17, 2003 my hubby had a jcpenny card that we included in our bk7 and it was discharged, but he only owed $49 dollars on it (the annual fee I guess b/c he never used it), and it had like a $200 limit, it was opened in 12-1999, do you think that if we called them they would reage the card and keep the opened date as 12-1999 and take off the deragatory information the card was just in hubby's name, wonder if I could have the account reaged and have myself added as a co-applicant so it would show up on credit report or just have the account reopened in my name any thoughts on this thanks, jewel Link to comment Share on other sites More sharing options...
michigangirl530 Posted August 17, 2003 Report Share Posted August 17, 2003 i owed on a jcpenney card years ago and while i was paying on it they sent a new card with different account # on it. its worth a try Link to comment Share on other sites More sharing options...
jewel1980 Posted August 17, 2003 Author Report Share Posted August 17, 2003 well that is fine if they were to give me or us a new account number, I was just wondering if it was reaged would they keep the opening date as 12-1999 and remove the deragatory information, what do you think, I definitely think it is worth a try only if they keep the date 12-1999 and remove all deg. info.thanksjewel Link to comment Share on other sites More sharing options...
michigangirl530 Posted August 17, 2003 Report Share Posted August 17, 2003 i dont no for sure but it would not hurt to try Link to comment Share on other sites More sharing options...
jewel1980 Posted August 17, 2003 Author Report Share Posted August 17, 2003 well if you do not mind my asking what did they do in your situationjewel Link to comment Share on other sites More sharing options...
michigangirl530 Posted August 17, 2003 Report Share Posted August 17, 2003 i didnt pay the card and was garnished while i was garnished they sent and invitation for another card. i thought it was crazy but i signed and they sent a new card Link to comment Share on other sites More sharing options...
jewel1980 Posted August 17, 2003 Author Report Share Posted August 17, 2003 I think what I am going to do is write them some kind of good will letter asking them all this info, and I know they will probably pull the reports so I will ask them to do a soft inquiry, do you think that would work Link to comment Share on other sites More sharing options...
michigangirl530 Posted August 17, 2003 Report Share Posted August 17, 2003 it should and the funnest thing they never pull my report even the garnishment wasnt on there. had the account since 96 and when i get credit limit increases they never pull report. they also listed garnishment as paid as agreed nad never late and i didnt request it. Link to comment Share on other sites More sharing options...
jewel1980 Posted August 17, 2003 Author Report Share Posted August 17, 2003 well when they sent you your new card did it have the same information as your old accout, you know did they just keep the duration info the same like when you opened the account and all, or when you got the new card did have all new information, like it was a brand new card with no past history Link to comment Share on other sites More sharing options...
michigangirl530 Posted August 17, 2003 Report Share Posted August 17, 2003 it had all new info there are two listings on my report as two different accounts which it is and both good trade lines Link to comment Share on other sites More sharing options...
jewel1980 Posted August 17, 2003 Author Report Share Posted August 17, 2003 ok thanks for all the info you have given me some ideas, and the only reason I am interested in this is b/c it was opened so long ago and if it would work it would help my credit score with the duration part of fico measurement Link to comment Share on other sites More sharing options...
michigangirl530 Posted August 17, 2003 Report Share Posted August 17, 2003 good luck and keep me posted Link to comment Share on other sites More sharing options...
jewel1980 Posted August 18, 2003 Author Report Share Posted August 18, 2003 anybody else have opinion on this Link to comment Share on other sites More sharing options...
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