Senior Contributor
Posts: 3,494
Registered: ‎05-25-2008

WaMu/Chase AA question

We had an old, old, old, old CU checking account that was COed about 4-5 years ago. That TL just ... disappeared magically off our CRs (both mine and DH's) about 4 months ago. Since we didn't WANT it on there, we didn't question it.

Now, in their update to EX, they *replaced* our current auto loan TL with the COed checking account TL. So, now our car loan looks like it was charged off (since our CU uses the same d@mned account number for both loans and accounts)!

So my question is this: Since we have WaMu (in AWESOME standing -- never late, pay durn nigh in full every month) and WaMu's switching to Chase do we stand to face AA because of the way it's reporting NOW and once they update EX to include BOTH the car loan AND the COed checking account?

We've worked so hard to build our credit ... I just don't want to hear that it's reappearance on our CRs is going to kill us!!



Hubby's FICOs when we started: high 400s (June 2008)
Hubby's FICO NOW (04/06/09): TU: 679 EQ: 608 EX: ???
My FICOs: TU: 643, EQ: 606
Closed on new home: 1/20/2009 -- If we can do it, YOU can do it!!

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Community Leader
Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007

Re: WaMu/Chase AA question

I don't know that there's anything you can do to get lucky twice with the CO'd account not reporting, but I'd get going on the incorrect car loan reporting immediately. That's a current account, if I'm reading it right, and I think you'd want to have it showing as clean.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

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