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credit reporting question

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credit reporting question

I have 3 open collection accounts showing on my CR.  They show zero balance, included in BK but still show open.  Should I dispute the open status?  Also, I was denied for unsecured NFCU card.  I was not offered the secure card.  Should I ask for it?

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Re: credit reporting question


mixit wrote:

I have 3 open collection accounts showing on my CR.  They show zero balance, included in BK but still show open.  Should I dispute the open status?  Also, I was denied for unsecured NFCU card.  I was not offered the secure card.  Should I ask for it?


I don't see any harm in disputing it to update as closed.

 

Did you try sending a SM to NFCU and asking them for a $500 limit to prove yourself? I would do that first, a lot of people have had success this way. Navy doesn't counter offer the secured card, you would have to app for it.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
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