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Valued Member
Posts: 25
Registered: ‎04-01-2008
0

Anyone know anything about Kay Jewlers? PFD?

I have an old account from kay jewelers that went into collections and i paid them after the fact, account was closed 01/01/2004. does anyone have a number i can call to maybe reactive the account and ask if they can remove the lates and i can start over again? or maybe an email address when i can email a Gw letter? please if you can provide me with some insider info it would be great. Account has 30,60,90,120,120 days late showing and its killing me.
Tu 645 EQ 623 EX 638 as of 03.25.2009
Tu 695 EQ 707 EX ? as of 04/10/2009
Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008
0

Re: Anyone know anything about Kay Jewlers? PFD?

Did you pay the Original Creditor or the Collection Agency?

 

Does the account now report as PAID or does it still show an unpaid balance?

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Valued Member
Posts: 25
Registered: ‎04-01-2008
0

Re: Anyone know anything about Kay Jewlers? PFD?

I paid kay jewelers, it says account closed, (Credit line closed / not paying as agreed) balance is $ 0

Tu 645 EQ 623 EX 638 as of 03.25.2009
Tu 695 EQ 707 EX ? as of 04/10/2009
Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008
0

Re: Anyone know anything about Kay Jewlers? PFD?

Is there a Collection Agency also reporting this, or is the OC reporting "Collection/Charge Off?"

 

If it is only the OC, you may try the Good Will letter, since you paid in full.  You cannot DV on an OC like you do to a CA.

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Valued Member
Posts: 25
Registered: ‎04-01-2008
0

Re: Anyone know anything about Kay Jewlers? PFD?

No there is not CA, the OC is reporting and they are reporting:

Account type: Revolving Charge Account

Payment status: Credit line closed / not paying as agreed

Comments : Credit line closed-grantor request-reported by subscriber

Tu 645 EQ 623 EX 638 as of 03.25.2009
Tu 695 EQ 707 EX ? as of 04/10/2009
Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008

Re: Anyone know anything about Kay Jewlers? PFD?

Your credit report should have a "CREDITOR" section with contact info at the end.  Look for Kay's and send a Good Will letter.  Be sure to reference the account number.  There are some great GW letter examples in the forum.

 

As for reinstating your account, you can ask, I am not sure, but you never know till you ask.  If they won't reinstate, they may still GW for you, which will remove the derog.

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
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