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They said "no." The guy I spoke with at the "executive offices" who claimed to be a superviser, said that their denial standards are the same. The same reason that denied the first card will cause the second to be denied.
@distantarray wrote:You sure you want the Delta card? It's probably one of the worst programs out there. If you live next to a Suntrust you can get a Delta Skymiles World Master card DEBIT which pretty much does the same or more, unless free checked in bags for upto 9 people is your primarly want for the card.
Delta Skymiles redemptions are awful, Never found 1 single award flight that was for a decent rate. United however I never have issues finding awards for the flights I want. Delta Skymiles are valued at 1.22 cents the frequent flyer sites, and United is 3 to 9 cents depending on how you redeem it. For instance 140,000 points can get you a saver first class award to Asia. In the summer that can cost $12,000+
Yes, because I have the greatest number of FF miles on Delta. Further, my closest airport is Newark, United has a fortress hub there. Fares are almost always significantly higher from Newark than any other NYC airport. I generally have to go to Kennedy or LaGuardia to find cheaper fares. If I am going all the way to LGA or JFK, I may as well forget United and fly someone else. Since Delta often has lower fares at the other airports, and since I have more miles with them, it's a no brainer.
Even if your credit card charge off is past the statute of limitations, I was under the impression that if you pay it off/settle your credit score would take a huge hit with that charge off newly marked as "paid." Does anyone know for sure?
If that's the case, the OP should definitely not settle with those debt collectors unless he gets something in writing before paying saying that they will not report anything to the credit bureaus. This appears to be a moot point though since the OP doesn't seem to be blacklisted.
@bribro wrote:Even if your credit card charge off is past the statute of limitations, I was under the impression that if you pay it off/settle your credit score would take a huge hit with that charge off newly marked as "paid." Does anyone know for sure?
If that's the case, the OP should definitely not settle with those debt collectors unless he gets something in writing before paying saying that they will not report anything to the credit bureaus. This appears to be a moot point though since the OP doesn't seem to be blacklisted.
My understanding is that since paying an old CO will update the DOLA, it will make activity on a CO appear recent and will result in a score drop. If the OP wishes to settle the CO but doesn't want to take a score hit, I would recommend waiting until the CO has completely aged off the report. Since the age of items is based on DOFD, then it shouldn't be allowed to reappear on the report. If, however, the OP wants to settle before the item has aged off, then I agree that it's important to get an agreement in writing stating that the item will not be updated with the CRAs.
How can a person be sure that it is past SOL? I understand that it is based on the state a person lives in. But is it based on DOLA or DOFD? Also, where can one find the DOLA and DOFD of an account?
If it does not appear on the credit report, does it automatically mean that it is past SOL?
@tennisfan78 wrote:
How can a person be sure that it is past SOL? I understand that it is based on the state a person lives in. But is it based on DOLA or DOFD? Also, where can one find the DOLA and DOFD of an account?
If it does not appear on the credit report, does it automatically mean that it is past SOL?
As you stated, it is dictated based upon the state in which one lives. Generally, the "clock" starts ticking from the time of the last payment. You can google "credit card statue of limitations" to find a variety of sites that list the statutes for each individual state.
And even if an item doesn't appear on your report, that doesn't automatically mean anything. It could be that the item somehow fell through the cracks, but the state statutes would still apply.
@tinuviel wrote:
@tennisfan78 wrote:
How can a person be sure that it is past SOL? I understand that it is based on the state a person lives in. But is it based on DOLA or DOFD? Also, where can one find the DOLA and DOFD of an account?
If it does not appear on the credit report, does it automatically mean that it is past SOL?
As you stated, it is dictated based upon the state in which one lives. Generally, the "clock" starts ticking from the time of the last payment. You can google "credit card statue of limitations" to find a variety of sites that list the statutes for each individual state.
And even if an item doesn't appear on your report, that doesn't automatically mean anything. It could be that the item somehow fell through the cracks, but the state statutes would still apply.
If it doesnt appear on the credit report, how can one find out what the DOFD is and if SOL still applies. Any ideas?