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haulingthescoreup wrote:
I'm sorry to hear of your untimely death.
I'm kind of thinking out loud here, but I'd probably go into a local store with all your old info, pick up a nice, big armful of merchandise to buy, and explain to them what happened. They will be able to confirm that you're alive and possibly straighten it out on their end. Store cards are usually more willing to revive (har har) an old account than are bank cards, and LB now has a better bank behind them.
haulingthescoreup wrote:
As for the other cards/ accounts, they should fall off ten years after they were closed. My EQ reports do show the date closed, so look for that. If a card was closed in March 1999, it should display through February 2009 and then vanish in March. Closed accounts have been known to fall off EQ early, though.
Veee wrote:
haulingthescoreup wrote:
As for the other cards/ accounts, they should fall off ten years after they were closed. My EQ reports do show the date closed, so look for that. If a card was closed in March 1999, it should display through February 2009 and then vanish in March. Closed accounts have been known to fall off EQ early, though.Funny the accounts that I'm thinking may fall off soon ... they don't have a closed date. In comments or Activity Description they are all listed as paid and closed. Is there another date I can go by on these to know when they might drop off?How does this play a roll on my credit ... Paid installment loans, are they basically just there for "age" as they don't report in "credit limits", "Balances", or "Available"?Thanks for you input.
@Veee wrote:Bump ... would I use the DOLA?
@haulingthescoreup wrote:
As for the other cards/ accounts, they should fall off ten years after they were closed. My EQ reports do show the date closed, so look for that. If a card was closed in March 1999, it should display through February 2009 and then vanish in March. Closed accounts have been known to fall off EQ early, though.Funny the accounts that I'm thinking may fall off soon ... they don't have a closed date. In comments or Activity Description they are all listed as paid and closed. Is there another date I can go by on these to know when they might drop off?How does this play a roll on my credit ... Paid installment loans, are they basically just there for "age" as they don't report in "credit limits", "Balances", or "Available"?Thanks for you input.
haulingthescoreup wrote:
I'm sorry, I don't know how that would work! They might have been open for a year after the DOLA, so I wouldn't think that it should be that, but you never know.
You're clicking the "printable report" option to expand the accounts display, right? If you don't see a closed date there, you might need to get a full report from the credit bureau(s), and see if the dates display there.
haulingthescoreup wrote:
I think that once you can access the full reports directly from the bureaus, you should be OK. Even though you access your FICO scores here, they're actually crunched by the CRA's off their reports, so I would think that you'd be OK.
Nevertheless, I would do this on a Monday or Tuesday, so that if you can't get them, it will be easy to reach myFICO CS for help. When you pull scores from myfico does it give you the option to pull just one or two or do you have to pull all 3 at the same time?
Good luck, and welcome back to the land of the living. Thanks! 2/3 of the way there, still waiting for EQ but I disputed a week or so later then the other two.