Reply
Contributor
Posts: 109
Registered: ‎12-15-2008
0

Color Me Surprised! I got Credited Back!

Those crooks that charged me for a service that was not legit are crediting me back! I went all the way to corporate. Serves them right. My account is in process of being credited back the $92 and then after my balance is at $0 I am cancelling!!!

 

Now, if I had an account for just under a month or about that and cancelled it myself, if the creditors see that... Doesn't it basically 0 itself out. I have a hard time believing if you had a bad experience and cancelled right away it would still affect the credit.. I am going to run my report today though and again in two months to see the score difference, if any. Shocking, but I'm glad they were decent enough to do that for me. I felt robbed. I know we all have at one point or another, but I was getting tired of the BS!

Super Contributor
Posts: 5,744
Registered: ‎01-28-2008
0

Re: Color Me Surprised! I got Credited Back!

Your post is serious and humorous.  Congrats on getting your money back. 
Valued Contributor
Posts: 2,682
Registered: ‎07-29-2009
0

Re: Color Me Surprised! I got Credited Back!


theNavigator wrote:

Those crooks that charged me for a service that was not legit are crediting me back! I went all the way to corporate. Serves them right. My account is in process of being credited back the $92 and then after my balance is at $0 I am cancelling!!!

 

Now, if I had an account for just under a month or about that and cancelled it myself, if the creditors see that... Doesn't it basically 0 itself out. I have a hard time believing if you had a bad experience and cancelled right away it would still affect the credit.. I am going to run my report today though and again in two months to see the score difference, if any. Shocking, but I'm glad they were decent enough to do that for me. I felt robbed. I know we all have at one point or another, but I was getting tired of the BS!


Who was decent enough? myFICO?

Regular Contributor
Posts: 125
Registered: ‎08-08-2009
0

Re: Color Me Surprised! I got Credited Back!

I am wondering the same.
Contributor
Posts: 109
Registered: ‎12-15-2008
0

Re: Color Me Surprised! I got Credited Back!

Nope! Why would I post here if it was myFICO that did it!!! :smileyvery-happy:

 

LOL It was some BS autocare place. I'll disclose the name once my balance is at $0 and that account is cancelled out. They sure took care of me alright. :smileymad:

 

But it's all good now. Cause I took care of it and I'm going to pretend it never happened once the card is cancelled etc. Oh yeah, and I'll be damned if I ever go back to them again!

Contributor
Posts: 109
Registered: ‎12-15-2008
0

Re: Color Me Surprised! I got Credited Back!

[ Edited ]

HMM 655 Equifax. I think that's around the same that I was last year, only a slight few point difference. Whatever...

 

I'm at 17% utl.. I thought under 30% was cool? They want under 7% though. Okay.. :smileyhappy: I got that under control soon anyway. Hmm not too bad. Just for a looksy everything looks right.

 

This was my scores on Jan 2 or so of this year. It's a little bit of a fall, but I'll get it back up there. I plan on paying most of debt off and being mainly debt free this year and pif if anything.

 

 

Equifax - 668. Transunion - 657. Experian - 659.

Message Edited by theNavigator on 12-08-2009 09:03 AM
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.