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I can not believe this!!!! I am so mad right now!!!

Senior Contributor

I can not believe this!!!! I am so mad right now!!!

The GECRB Care Credit account that was charged-off and I paid in full and turned into a positive account per GE Capital was deleted by Experian and Equifax. Now they are telling me GE Capital needs to send them a reinsertion form so they can add the TL back in and make all the correct information.

23 REPLIES
Established Contributor

Re: I can not believe this!!!! I am so mad right now!!!

Wow!  So sorry you're having to deal with this unnecessarily.

 

I hope you can get it straightened out to your favor.

Good Luck!!!

 

Senior Contributor

Re: I can not believe this!!!! I am so mad right now!!!

Thanks!!! It will be fixed trust me lol. 

Senior Contributor

Re: I can not believe this!!!! I am so mad right now!!!

They just don't make it easy!

Senior Contributor

Re: I can not believe this!!!! I am so mad right now!!!

This is whaat happens when you have individuals answering calls oversees. Thank god my TU credit file is handled in the good ole USA. 

Established Contributor

Re: I can not believe this!!!! I am so mad right now!!!

Go get 'em tiger......I mean DaBears Smiley Very Happy

 

+1000  "Thank god my TU credit file is handled in the good ole USA"

 

Regular Contributor

Re: I can not believe this!!!! I am so mad right now!!!


DaBears wrote:

The GECRB Care Credit account that was charged-off and I paid in full and turned into a positive account per GE Capital was deleted by Experian and Equifax. Now they are telling me GE Capital needs to send them a reinsertion form so they can add the TL back in and make all the correct information.


Allow me to play devil's advocate for a moment, please - I realize it's now a positive (closed?) account, but how badly does losing this one positive tradeline affect your overall credit report? If I recall, that was your last baddie, so the reports are clean, right? So does losing the TL really hurt in terms of AAoA? That's the only place I can see it hurting really. Or is it hurting you in other areas? I'm not trying to be a smart @$$ just trying to understand.

Start: (2-26): EQ 602 (Myfico) TU 579 (Credit Karma) EX 634 FAKO
Current: (7-12): EQ 690(myfico) WalmartTU 696 EX 689 (lender 6-3)
1st Goal: 680 across the board - DONE June 2013!
2nd Goal: 725 across the board
Senior Contributor

Re: I can not believe this!!!! I am so mad right now!!!

by them making it a positive account with no lates or charge off status gave me a big score bump. them deleting it I lost points cause it affected my AAoA.

Moderator Emerita

Re: I can not believe this!!!! I am so mad right now!!!

Regular Contributor

Re: I can not believe this!!!! I am so mad right now!!!


DaBears wrote:

by them making it a positive account with no lates or charge off status gave me a big score bump. them deleting it I lost points cause it affected my AAoA.


Okay, that's kind of what I figured - did you lose all of the points? Big or small loss? Now I'm curious....

Start: (2-26): EQ 602 (Myfico) TU 579 (Credit Karma) EX 634 FAKO
Current: (7-12): EQ 690(myfico) WalmartTU 696 EX 689 (lender 6-3)
1st Goal: 680 across the board - DONE June 2013!
2nd Goal: 725 across the board