(I think that should WFFNB not be “g”) Sorry!
It was an account I had was always punctual, never late. I joined it about six years before my credit card / money problems. I have released a bk 4 years and a few collections I will try to get out.
I a postive Car TRADELINE that now and not later than 4 total positive cc tradelines.
My TU is 660, Experian 620 and Equifax around 590th
Any experience always an old card like this again? I'd really like it for the story, because I opened it originally about 10 years ago.
Thanks!
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good info and good to know, I agree with guy then guy, give them a call.
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No BK, but at the time I was just beginning my credit repair in earnest and had a couple chargeoffs, a judgement (paid), a couple 30 day lates, and a closed by credit grantor or two.
Reply:Dillards' is now financed through GEMB, so you would have to go through the approval process. If these cards are open and helping your score, I would not look a gift horse in the mouth, I'd try to get some secured credt or try my luck at joining a CU to re-establish credit.
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did you have a BK and a "few collections" on your CR?
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If it were me, I would just keep my mouth shut and not say a word! You'll reap all the benefits in your score as long as you don't clue them in.
Pay cash till your scores improve
Reply:I would not give up so easily – call them all they can say is no. I had an express card that was closed by WFNNB in 97. It was showing as open on my CRs but with a 0 limit. I called last year and asked about it and they restored my Credit Line at $500. With use it is now at $1770. The terms aren't great but I now have a tradeline that shows good history since 1997 on my report. IMHO, it is worth at least a phone call.
Good luck with whatever you decide!
Reply:What about all the store cards I have on my CR that still show as open, but I don't have cards for anymore? I have a Hechts & Dillards that's showing this.
It's been years since I've used them but they still show open, do you think I could call and have new cards sent to me or do you think they'll make me reapply since it's been so long?
hmmm
Reply:Oy! Lerner is the thorn in my side. I IIB my account with them, and they have been reporting it as 180 days late ever since the date I filed.
Reply:That's what I though. Thanks!
Reply:Your chance are somewhere between "not going to happen" and "snowballs chance in H-E double tooth-picks"
in others words not very good. An account that old will require you to re-apply and with your current BK and derogs you will probably be denied. Sometimes you can do it if the account was closed under 6 months to a year or so, but 6 years is too long. And regardless the first time they see your new info on your CR they'd close it anyway.