Reply
Senior Contributor
Posts: 3,930
Registered: ‎10-26-2012
0

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.

Frequent Contributor
Posts: 378
Registered: ‎01-09-2013
0

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
Posts: 3,930
Registered: ‎10-26-2012
0

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

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

Senior Contributor
Posts: 3,446
Registered: ‎11-30-2007
0

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

They just don't make it easy!

Senior Contributor
Posts: 3,930
Registered: ‎10-26-2012
0

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. 

Frequent Contributor
Posts: 378
Registered: ‎01-09-2013
0

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

Go get 'em tiger......I mean DaBears :smileyvery-happy:

 

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

 

Regular Contributor
Posts: 246
Registered: ‎02-27-2013
0

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
Posts: 3,930
Registered: ‎10-26-2012
0

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

[ Edited ]

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
Posts: 27,137
Registered: ‎09-13-2012
0

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

Regular Contributor
Posts: 246
Registered: ‎02-27-2013
0

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

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 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.