08-10-2012 07:28 AM
I've had this card since 2007... the only one that made it through my 2 yr lay off unscathed. lol
Opened with $200 limit after previous charge off.
Unexpected auto CLI to $550 last year, found out on a trip to Vegas when I stopped at a LB store (there are none in MT).
After seeing the recent posts about WFNNB I decided to take a chance and request another CLI online yesterday - got 7-10 day message. Only information requested was annual income which is $5k higher than it was with the last CLI. I logged in today to check and they bumped me $200 to a $750 CL with no hard pull. :-) Currently there are 2 30 day lates on the history... one in 2008 coinciding with my job loss and one in 02/2010 coinciding with my move from California to Montana for my new job. It's not a huge increase, but I'll take it. lol If I decide to drive the 5 hrs or so to the nearest store or grab a cheap round trip flight to Vegas for a weekend shopping trip at least I can get enough to make the trip worth it. lol
I don't use the card often... usually only 2-3 times per year. But when I do, I max it out. Now, if I can just get an Avenue or Maurice's card... Supposedly the parent company of Maurice's has recently bought out Charming Shoppes which owns LB, Fashion Bug, Catherines, Cacique, and I think one other... got that info from a store manager when I was in a Maurice's last week.
08-10-2012 08:10 AM
Congrats and thanks for the info! I've had my card for 1 year and 1 month and they still have me at a $100 CL. I'm going to wait for my 6th statement and if I don't get an auto CLI, I'll call one in. Keeping me at $100 makes it very very hard for me to shop! Meanwhile Avenue gave me $750 right off the bat and then auto CLI $140 after my 4th statement. Both are WFNNB so I don't understand why the two cards are so different!
09-04-2012 12:04 PM
DO NOT OPEN A LANE BRYANT ACCOUNT!
In 2006 I opened a Lane Bryant charge and in 2008 when the economy crashed and I was graduating college only to find no full time jobs that paid more than minium wage. I hit a financial wall and long story short I ended up having to settle my credit card debit since I was a couple of months past due, and no forseable change in the near future. So in March 2008 Lane Bryant offered me a settlement offer for $350 (I owed almost $500 including fees for being past due). I agreed and paid the debt with my tax refund.
My problem is now in 2012 I find out they have been showing me CURRENTLY as of AUG 2012, 120+ days past due with a $0 balance (four years after the debt was settled and paid). Anyone with a brain should be able to tell, you can't be past due when you no longer owe any money. They even show $0 balance current for approximately 9 months after I paid them off then for no reason in July of 2009 they reported 30 days late, Aug 2009 60 days, Sept. 2009 90 days, and so forth.
For the past 4 years I have been perfect with my only remaining debt of house and student loans (both taken before 2008) and I have paid off every other debt. I applied for a Graduate school loan and was declined because of being CURRENTLY 90+ DAY PAST DUE.
I have contacted the company and they said that is just the way they report it and since it was a settlement nothing can be done. They even refused to let me pay the couple of hundred dollars just to get it off my report as a currently debt, but they said since it shows a current balance of $0 they can't do that. I know this is not the correct way to report a settlement since in the same year I ended up settling with 2 other credit cards and they show that I was past due back in 2008 but no more history since then.
I have filed disputes with all the credit reporting agency but they have to check with the company instead of just understanding the information in front of them. $0 balance can not be currently owed.
Since most placese go solely on the report # and don't actually think about what it is saying I have had several problems. Last year I was having issues being bonded for work and I thought it was due to my poor history from 2008 but i didn't realize they have been reporting me CURRENTLY PAST DUE.
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