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Valued Contributor
MrShush
Posts: 1,412
Registered: ‎04-18-2008

Re: Kroger CLD


DI wrote:
Kroger had/having a bad 4th quarter.  I'm just saying. 

It's not the store that issues the card; RBS, NA.

Mega Contributor
Creditaddict
Posts: 18,984
Registered: ‎10-23-2007

Re: Kroger CLD

she has some other debt, no baddies ever!

that's what the cld letter says from kroger is other debt 

Fico Scores: EQ 657 Cabelas, TU 653 Barclay, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Express $300
Over 30 Cards in between :smileytongue:
Established Contributor
Itsmeagain
Posts: 832
Registered: ‎01-16-2008

Re: Kroger CLD

 CA . . . After re-reading this post, I noticed that it's a continuation from June.  So, the problem began then.  And, I don't mean to belabor this painful experience but just trying to understand how I might avoid their wrath.  So, if you don't mind . . . another question:

 

 Immediately prior to the first CLD, had there been:

  1. Substantial increase in he balances on existing accounts (already showing a balance)?
  2. New accounts added? (Affecting AAoA)
  3. New balances on accounts that had been reporting zero? (reducing her Debt to Credit ratio)?
Have you called and asked for reconsideration?

Starting Score: TU 737 EQ 721
Current Score: TU 741 EQ 741
Goal Score: TU 765 EQ 760


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Mega Contributor
Creditaddict
Posts: 18,984
Registered: ‎10-23-2007

Re: Kroger CLD

I know some of those...

Capital One CLD them sometime around that time

Cabelas also closed account

so util did go up.

now since the last CLD to this CLD, Discover CLD $700 but that put that account to 100% (business account, small line)

but Macy's CLI over 4k

and don't believe she has opened anything new in the last 6 months.

if you got CLI, I wouldn't worry about CLD, you seem to be going in right direction 

Fico Scores: EQ 657 Cabelas, TU 653 Barclay, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Express $300
Over 30 Cards in between :smileytongue:
Established Contributor
Itsmeagain
Posts: 832
Registered: ‎01-16-2008

Re: Kroger CLD

Thanks for the follow up CA.  It seems that CLD's beget CLD's and vice versa; CLI's beget CLI's.  Here's wishing you and your mom a safe and prosperous Holiday Season and New Year.

Starting Score: TU 737 EQ 721
Current Score: TU 741 EQ 741
Goal Score: TU 765 EQ 760


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