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Established Member
ballinonabudget
Posts: 27
Registered: ‎01-01-2013
0

USAA reopen card

I had a USAA credit card from a few years ago, opened in 2005. They closed the account for delinquency and I payed the balance in full. Would they be able to re-open this account with the old date? I believe I asked them if I could at the time but they couldn't, I didn't press the issue though. They might have asked me to run another credit check at the time which I didn't want to do I'm not too sure. I think I was in the middle of buying the house and didn't want to run the credit check. I'm trying to close one card and If I could reopen this one with the old date it would work out great for me.

 

Thanks for any advice.

Old Fako score 550 in 2008ish
Current Fico(1/1/2013) EQ 717
Goal:750 100k
Open Loan Balances: 34k Auto 13.3k Auto, 5.3k Personal loan both through Navy FCU, 182k Mortgage 3.375%
The Wallet: NFCU 14k Signature Visa, USAA 10k MasterCard, Penfed 10k Cap1 500
Senior Contributor
score_building
Posts: 3,577
Registered: ‎01-10-2008
0

Re: USAA reopen card


ballinonabudget wrote:

I had a USAA credit card from a few years ago, opened in 2005. They closed the account for delinquency and I payed the balance in full. Would they be able to re-open this account with the old date? I believe I asked them if I could at the time but they couldn't, I didn't press the issue though. They might have asked me to run another credit check at the time which I didn't want to do I'm not too sure. I think I was in the middle of buying the house and didn't want to run the credit check. I'm trying to close one card and If I could reopen this one with the old date it would work out great for me.

 

Thanks for any advice.


Unfortunately it cannot be reopened with the 2005 date years later.

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)

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