02-04-2009 02:08 AM
Is there anything I can do to get my Radio Shack card back on my credit report? It's my oldest account (opened in '95) and I'd really like to get my history back. I called citibank and they say they are still reporting it. Looking back at my old EQ reports, it looks like the last time I actually carried a balance and paid interest was in 12/98. I'm guessing the account dropped off in 12/08. I've used the card since then, but always PIF when I get the statement.
I just put $35 on it 3 weeks ago and will make the $10 minimum payment over the next 3 months. Is there anything else I can do?
02-04-2009 04:18 AM
02-04-2009 01:12 PM
The last statement with a balance was on 11/26/08. I pif on 12/05/08. Before that, I used the card in 12/07 and I PIF when I got the statement. The current statement is for 1/26/09 and I only paid the $10 minimum payment.
I can actually dispute an account the CRA seems to think doesn't exist?
02-04-2009 03:36 PM
02-06-2009 11:59 AM
02-19-2009 06:21 AM
It just showed up on my Experian report yesterday...with my current balance, not the statement balance. My statement closes around the 28th every month and it looks like they are reporting around the 15th. I guess this explains why it didn't show any activity; I have paid in full just a few days after the closing date whenever I used the card. It probably has been a zero balance for over 10 years on the 15th.
Hopefully it will update and be back on my TU and EQ reports soon.
02-21-2009 08:19 PM - edited 02-21-2009 08:20 PM
It showed up on TU today...looks like it's gonna be back to reporting correctly.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.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.
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.