10-28-2012 04:11 PM
I have a Rooms-to-Go (GE Capital) credit card with a $4,500 CL and a $0 balance that is showing up on both my TU and EQ reports as "closed by consumer," which is absolutely not the case. I called and spoke to a CSR about it, and he said he put a note on my account for them to fix it when reporting to the CRA's next month. I don't know if that will work or if I should call a backdoor number and speak to a "higher-up." Anyone ever had this happen? I want to get this fixed as that would lower my utilization % by roughly 18%.
10-28-2012 04:23 PM
You are right in calling them and asking why it was closed. Have you used it lately?
10-28-2012 04:32 PM
Haven't used it since last year, but I just paid it off last month.
12-16-2012 08:37 AM
Update: The guy I spoke to was true to his word, and they got it fixed on my reports. My TU score jumped 25 points!
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.