TylerDurden2 Posted March 13, 2005 Report Share Posted March 13, 2005 First off, THANKS! Although I have been trolling this site for about one week, I feel like I have learned a lot! The sense of empowerment I feel when I answer those nasty calls feels great! So much knowledge here and such an unselfish willingness to share... I am so glad that I have found this community!Here is my situation. When I lost my job in 2001, I paid my Corporate card (American Express) in collections. The consulting firm I worked for basically told me to hit the bricks and stiffed me for about $7000 in expenses.I settled for about half the amount. If only I had known of my alternatives!After getting a new job, I decided to get a personal credit card... a Cap1. I paid the meager balance on this card off when I applied for a mortgage and bought my first home.About one year later, my parents get a call from AHS(?) looking for info on me. They refused and past me their contact info.I called them and they said I owed $700+ on my Cap1 account!!! Timing on this was perfect (sarcasm). I have just started a new job that requires 100% travel. I need a credit card, but it seems like NOBODY will approve me. One of the reasons I got for an online refusal was "APPLICANT HAS AN UNRESOLVED BANKRUPTCY"I have never had a bankruptcy. I pulled my EX and TU... I almost hit the floor. I could not find a reference to a bankruptcy, but I did find this TL... does the "BK" on the TL imply a bankruptcy?CAP ONE BK Address: PO BOX 85520 RICHMOND, VA 23285 Account Number: XXXXXXXXXX....Status: Open/Past due 180 days. $106 past due as of 9-2004. Date Opened: 08/2003 Type: Revolving Credit Limit: NA Date of Status: 09/2004 Terms: NA High Balance: $554 Reported Since: 08/2003 Monthly Payment: $19 Recent Balance: $654 Last Reported Date: 09/2004 Responsibility: Individual Recent Payment: $0 Account History: 180 days as of 9-2004 150 days as of 8-2004 120 days as of 7-2004 90 days as of 6-2004 60 days as of 5-2004 30 days as of 4-2004, 11-2003 Link to comment Share on other sites More sharing options...
TylerDurden2 Posted March 13, 2005 Author Report Share Posted March 13, 2005 First off, THANKS! Although I have been trolling this site for about one week, I feel like I have learned a lot! The sense of empowerment I feel when I answer those nasty calls feels great! So much knowledge here and such an unselfish willingness to share... I am so glad that I have found this community!Here is my situation. When I lost my job in 2001, I paid my Corporate card (American Express) in collections. The consulting firm I worked for basically told me to hit the bricks and stiffed me for about $7000 in expenses.I settled for about half the amount. If only I had known of my alternatives!After getting a new job, I decided to get a personal credit card... a Cap1. I paid the meager balance on this card off when I applied for a mortgage and bought my first home.About one year later, my parents get a call from AHS(?) looking for info on me. They refused and past me their contact info.I called them and they said I owed $700+ on my Cap1 account!!! Timing on this was perfect (sarcasm). I have just started a new job that requires 100% travel. I need a credit card, but it seems like NOBODY will approve me. One of the reasons I got for an online refusal was "APPLICANT HAS AN UNRESOLVED BANKRUPTCY"I have never had a bankruptcy. I pulled my EX and TU... I almost hit the floor. I could not find a reference to a bankruptcy, but I did find this TL... does the "BK" on the TL imply a bankruptcy?CAP ONE BK Address: PO BOX 85520 RICHMOND, VA 23285 Account Number: XXXXXXXXXX....Status: Open/Past due 180 days. $106 past due as of 9-2004. Date Opened: 08/2003 Type: Revolving Credit Limit: NA Date of Status: 09/2004 Terms: NA High Balance: $554 Reported Since: 08/2003 Monthly Payment: $19 Recent Balance: $654 Last Reported Date: 09/2004 Responsibility: Individual Recent Payment: $0 Account History: 180 days as of 9-2004 150 days as of 8-2004 120 days as of 7-2004 90 days as of 6-2004 60 days as of 5-2004 30 days as of 4-2004, 11-2003 Link to comment Share on other sites More sharing options...
workinninetofive Posted March 13, 2005 Report Share Posted March 13, 2005 I don't think so. That is showing severly late. When I looked at my sisters, it said "included in BK" or BK on the acct. I don't see anything like that here. Unless I am messing something. Dispute it and see what happens. Link to comment Share on other sites More sharing options...
workinninetofive Posted March 13, 2005 Report Share Posted March 13, 2005 I don't think so. That is showing severly late. When I looked at my sisters, it said "included in BK" or BK on the acct. I don't see anything like that here. Unless I am messing something. Dispute it and see what happens. Link to comment Share on other sites More sharing options...
TylerDurden2 Posted March 13, 2005 Author Report Share Posted March 13, 2005 Hmmm... maybe the website I applied to was in error. Thanks for the info! Link to comment Share on other sites More sharing options...
TylerDurden2 Posted March 13, 2005 Author Report Share Posted March 13, 2005 Hmmm... maybe the website I applied to was in error. Thanks for the info! Link to comment Share on other sites More sharing options...
miracle Posted March 14, 2005 Report Share Posted March 14, 2005 Welcome Tylerdurden2!!! I would Dispute it..see what comes back. Good Luck! -Jenn Link to comment Share on other sites More sharing options...
miracle Posted March 14, 2005 Report Share Posted March 14, 2005 Welcome Tylerdurden2!!! I would Dispute it..see what comes back. Good Luck! -Jenn Link to comment Share on other sites More sharing options...
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