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Valued Contributor
injustifiiable
Posts: 1,867
Registered: ‎03-30-2012
0

WFNNB Reporting Question

Since WFNNB doesn't cut statements when there's a Zero balance, will they report the account with said zero balance?

 

TIA :cathappy:

Scores 6/17/2014: TU FICO: 643 | EQ FICO: 675 | EX AMEX FICO: 666

In my new wallet: American Express Premier Rewards Gold EMV: NPSL | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Target: $400 | J.Crew $5950
Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

Re: WFNNB Reporting Question

Yes that is what they have been doing with my accounts.  


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Valued Contributor
injustifiiable
Posts: 1,867
Registered: ‎03-30-2012
0

Re: WFNNB Reporting Question


Rhaeny wrote:

Yes that is what they have been doing with my accounts.  


That's good then...I was pre-approved for a King Size account ($300) which I accepted...I don't plan on using often since their stuff is a little on the expensive side.

 

Signed up for an account with Victoria's Secret for $#!ts and giggles and lo and behold, pre-approved for $500....haven't accepted it yet. Not really into women's underwear but I do like the Very Sexy fragrance they offer for men. If they indeed report zero balances, I might just get that account to increase available credit a bit.

Scores 6/17/2014: TU FICO: 643 | EQ FICO: 675 | EX AMEX FICO: 666

In my new wallet: American Express Premier Rewards Gold EMV: NPSL | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Target: $400 | J.Crew $5950
Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

Re: WFNNB Reporting Question

Yes it does indeed help with utilization.  I don't really use my cards all that much either as I only opened them to rebuild....of course plus all of them I got with the shopping cart trick :smileywink:.  

 

I have one that I haven't used since June.  I think that as I continue to build my other major CC's then those will eventually close out.  They are not the best limits and range from $150 to $750.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014

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