Re-open closed accounts?

Mar 232011
 

Has anyone had success in re-opening closed, paid accounts for any of the following?

 

US Bank

Bank of America

Victoria’s Secret

The End of American Total Economic Collapse in 2011

Mar 142011
 

This is a fascinating and contreversial site which is all over the internet on EVERY kind of FORUM and the details may be seen at the following email address:

 

           http:www. cooporus.ogr/Albums/napa

 

Warning to the faint or feint hearted. It is very SCARY with the known facts and very contrevertial by the far right and most financial and stock advisors (you will see why). It will affect your life no matter what people think and everyone should know the facts. I would like to let all know it is now growing exponentially on Y Tube where there were only a thousand hits which, in one day, is approaching a half million and sometimes difficult to access. If Forums does not permit the use of the name Y Tube…they can advise me before I have to prove I have seen the name used here a dozen times.

IT IS VERY SCARY but more important than anything you will read and decide for yourselves.

Need Help with a 2007 Chase CO

Mar 072011
 

Hello Everyone this is my first posting, but I have been reading the myfico forums for awhile and have learned a great deal. I used to have excellent credit until about 2005.  Unfortunately having money in my mid twenties , coupled with 120K in unsecured credit left potential for overuse.  I have paid all my bills on time since, but have the following baddies still remaining:

 

BOA platinum plus(closed, originally-$6800): 0 balance-four 30 day lates

BNY personal line of credit(closed in 2006, originally-$1500): 0 balance-currently reporting 30 day late.  obviously an error.  Cannot verify to whom this TL belongs to.

Chase platinum(closed in 2007, originally $10000): settled for less than full/CO.  This TL was opened as 0-12 months interest free on balance transfer and purchases, and I had disputed the interest amount as I was charged since day one.  I was never aggresive about it until the amount built up after 18 months or so and paid the pricipal amount, roughly 10K and did not pay the interest of $1097 for which they recently sent me a 1099-C form.  Can anyone assis me as to what I should do?

 

2/24/2011: FICO TU-656, EQ-645

TARGET: 760

2005: 800+!!!

 

Unrealistic Expectations?

Jan 232011
 

Is it an unrealistic notion to attempt a 100 point FICO score increase within 12 months with the following plan of action?

I was thinking about opening 2 secured credit cards (so that they don’t do a hard inquiry) in addition to paying off all my collections.

There is an outstanding balance of about 200 dollars on a small personal loan I took out in order to bump up my credit (all payments have been made on time).  It will be paid in full in about a month and a half.

Also, if I successfully manage to have creditors delete negative information from my credit reports after I pay the outstanding balances in full, will this actually result in a credit score increase?  Or is it only good in that the derogatory information won’t show?  I have done some reading on this subject and haven’t gotten a definitive answer.

Please advise.

Thanks in advance!

:smileyhappy:

 

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