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New Contributor
tac1234
Posts: 53
Registered: ‎11-09-2007

LIARS!!!!!!!!

Had a rough patch 2006-2007, but put on installments  and PIF Discover (from 8k) and citifinancial( also 5k) and the entire time I paid them back I was assured I would keep my CL, well they both closed accounts as soon as I paid them, its not showing up on my credit score, but it will DTI me higher. I had confirmed with citi finincial last month the account was still good. liars.. I would have paid them anyhow... I want to go back to the 800 club.... I have 120 k income , have a healthy 401 k and I am looking to refi an investment prop in a few weeks. current fico is 670 suggestions ???? yes I will pif all cc this month .help ?????I have been busting my A$$ to get my good credit back for a year ......
12/07 546-2/1/2008 573-4/12/08 601 - 5/08 616 6/08 626 :smileyhappy:10/08 650
Mega Contributor
Creditaddict
Posts: 18,814
Registered: ‎10-23-2007

Re: LIARS!!!!!!!!

replace them with someone that wants your business more!
Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Valued Contributor
jmbfl
Posts: 1,185
Registered: ‎03-04-2008

Re: LIARS!!!!!!!!

[ Edited ]
Take a deep breath and relax. Inhale/exhale.
 
Now...
 
Please give us details (from CBR's) regarding these accounts. We can't give you advice regarding the accounts w/o details.
 
You must remain patient. It is possible that one year may not be a sufficient length of time to make all well.


Message Edited by jmbfl on 08-13-2008 11:26 AM
New Contributor
tac1234
Posts: 53
Registered: ‎11-09-2007

Re: LIARS!!!!!!!!

ok the details are8k credit on citi finaincial started in2005----- had planned to pif when the 0% peroid was over but could not --due to surgery etc,,,,,, did pay with interest until all paid off , showing as late in 2006, on time since then, same with the discover..... paid in full and now it is closed,,,, has not reported to cb yet but I would assume It will report next cycle. now I do not have 13k in credit that was very valuable to me from an appliance store. but it is on short notice. I planned to refi and then purchase more prop this year....... I check with both and they were both stated by the company to be availble credit and then I went to use them and they were closed. the excuse it that the person who looked for me , " did not see that screen "  ON BOTH OF THEM ,,,,,  this will affect my dti and longevity of my accounts... what to do ....
12/07 546-2/1/2008 573-4/12/08 601 - 5/08 616 6/08 626 :smileyhappy:10/08 650

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