Credit Cards Center Credit cards from our partners
Reply
Established Contributor
Posts: 522
Registered: ‎01-16-2012
0

Discover Student

I applied for a Discover student card on Dec 16, 2010 and I was denied because of a charge-off from WFCB/Blair.  The charge off was dated 11/2005.

 

Now, upon checking my credit report, I can see the charge off there.  I was surprised since USBANK 3500, CHASE/AMAZON VISA 1900, GECRB AMAZON STORE 1400, AND GECRB WALMART 500 have all approved me recently since Aug, Sept, and Oct 2010.

 

Upon further review and checking credit reports from 2010, that were in my file drawer, I noticed the Blair credit card was originally opened in Oct 2003 and the last payment and DOFD were both listed as 2/2004.  Also, this card was sold/transferred to World Financial Capital Bank in 11/2005.

 

WFCB reports this account as WFCB/BLAIR in my current reports, but declares this debt as opened and charged off in 11/2005 -- the same month it aqquired such debt.

 

Is this possible?  Can they effectively re-age the debt as they did.  According to my report, this charge off won't fall off till 8/2012.  

 

However, the older credit report stated that Blair should of fallen off as of 1/2011.

 

Anyways, I just disputed with all 3 credit reports last night to have this removed, becuase of the above situation.   Walmart currently has my FICO as 706.   

 

Lastly, yes....I am a student in my senior year.

 

 


(07/29/15) Barclay FICO 758, (8/06/2015) Walmart FICO 758, (7/20/15) Discover IT FICO 753 (TC Lines $265K) AAoA=4.2yrs
Established Contributor
Posts: 522
Registered: ‎01-16-2012
0

Re: Discover Student

Can somebody confirm if this sounds like they have "re-aged" my C/O?


(07/29/15) Barclay FICO 758, (8/06/2015) Walmart FICO 758, (7/20/15) Discover IT FICO 753 (TC Lines $265K) AAoA=4.2yrs
Highlighted
Moderator Emeritus
Posts: 16,385
Registered: ‎03-12-2007
0

Re: Discover Student

This is a duplicate thread, so its locked. The conversation in the other thread can be found Here

Credit Profile - FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1


Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.