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New Contributor
Posts: 60
Registered: ‎07-09-2012
0

Please tell me what is wrong with this.

[ Edited ]

sorry for the blank postings.

KOHLS/CAPITAL ONE

PO Box 3115
Milwaukee, WI  53201-3115

Account Number:639305042611XXXXCurrent Status:CHARGE-OFF  
Account Owner:Individual Account.  High Credit:N/A
Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. :RevolvingCredit Limit:$100
Terms Duration: Terms Frequency:Monthly (due every month)  
Date Opened:08/12/2005  Balance:$0
Date Reported:10/31/2012  Amount Past Due:$0
Date of Last Payment:09/2012  Actual Payment Amount:$0
Scheduled Payment Amount:$0Date of Last Activity:N/A
Date Major Delinquency First Reported:09/2012  Months Reviewed:63
Creditor Classification: Activity Description:Paid and Closed
Charge Off Amount:$219Deferred Payment Start Date: 
Balloon Payment Amount:$0Balloon Payment Date: 
Date Closed: Type of Loan:yes  
Date of First Delinquency:03/2008  
Comments:Account paid for less than full balance,
Charged off account  

81-Month Payment History

YearJanFebMarAprMayJunJulAugSepOctNovDec
2012COCOCOCOCOCOCOCOCO   
2011COCOCOCOCOCOCOCOCOCOCOCO
2010*********COCOCO
2009************
2008************
2007************
2006************

Payment History Ke


Starting Score: 598
Current Score: Trans union fico 713 (myfico 11/1/2012), EQ fico 671, exp 666 by AMEX
Goal Score: 720 across

In my wallet: GE/walmart at $10500, 2 capital ones at $750 each, Elan financial at $400, Amex BCP-$1000, AMEX Gold Delta at $2500, Discover more at $6,000 and Chase freedom at $3000

Take the FICO Fitness Challenge
Moderator
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Please tell me what is wrong with this.

Besides the post being blank?   I don't know.  Try again please.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Contributor
Posts: 1,115
Registered: ‎10-31-2011
0

Re: Please tell me what is wrong with this.

haha +1

ccpics2.jpg
Established Contributor
Posts: 883
Registered: ‎09-10-2010
0

Re: Please tell me what is wrong with this.

[ Edited ]
 

TU711, EQ 731 , EX 706 (As of 12/13/14) - Personal Goal = 760

“Beware of little expenses. A small leak will sink a great ship” – Benjamin Franklin

Gardening since 11-21-14































New Contributor
Posts: 60
Registered: ‎07-09-2012
0

Re: Please tell me what is wrong with this.

This is an account that was charged off in 2008 and i settled recently. since then myfico took a hit and my payment history says i missed payment less than a month ago.

Please advise me on how i can resolve this issue.

KOHLS/CAPITAL ONE

PO Box 3115
Milwaukee, WI  53201-3115

Account Number:639305042611XXXXCurrent Status:CHARGE-OFF  
Account Owner:Individual Account.  High Credit:N/A
Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. :RevolvingCredit Limit:$100
Terms Duration: Terms Frequency:Monthly (due every month)  
Date Opened:08/12/2005  Balance:$0
Date Reported:10/31/2012  Amount Past Due:$0
Date of Last Payment:09/2012  Actual Payment Amount:$0
Scheduled Payment Amount:$0Date of Last Activity:N/A
Date Major Delinquency First Reported:09/2012  Months Reviewed:63
Creditor Classification: Activity Description:Paid and Closed
Charge Off Amount:$219Deferred Payment Start Date: 
Balloon Payment Amount:$0Balloon Payment Date: 
Date Closed: Type of Loan:yes  
Date of First Delinquency:03/2008  
Comments:Account paid for less than full balance,
Charged off account  

81-Month Payment History

YearJanFebMarAprMayJunJulAugSepOctNovDec
2012COCOCOCOCOCOCOCOCO   
2011COCOCOCOCOCOCOCOCOCOCOCO
2010*********COCOCO
2009************
2008************
2007************
2006************

Payment History Ke


Starting Score: 598
Current Score: Trans union fico 713 (myfico 11/1/2012), EQ fico 671, exp 666 by AMEX
Goal Score: 720 across

In my wallet: GE/walmart at $10500, 2 capital ones at $750 each, Elan financial at $400, Amex BCP-$1000, AMEX Gold Delta at $2500, Discover more at $6,000 and Chase freedom at $3000

Take the FICO Fitness Challenge
Moderator
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Please tell me what is wrong with this.

Actually I don't see anything wrong with the posting.  They have keyed in derogatories, the CO for the past several months.   You should now try sending GWs to them, you could get lucky.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
New Contributor
Posts: 60
Registered: ‎07-09-2012
0

Re: Please tell me what is wrong with this.

[ Edited ]

what about date of major delinquency first reported-they list sept 2012 but this account was charged off in 2008.

Charge off and Settlement which one is worse. they have been reporting charge off since 2008.


Starting Score: 598
Current Score: Trans union fico 713 (myfico 11/1/2012), EQ fico 671, exp 666 by AMEX
Goal Score: 720 across

In my wallet: GE/walmart at $10500, 2 capital ones at $750 each, Elan financial at $400, Amex BCP-$1000, AMEX Gold Delta at $2500, Discover more at $6,000 and Chase freedom at $3000

Take the FICO Fitness Challenge
Moderator
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Please tell me what is wrong with this.

date of first major delinquincy is not of any importance.  It's the date of first delinquincy that matters.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
New Contributor
Posts: 60
Registered: ‎07-09-2012
0

Re: Please tell me what is wrong with this.

Shogun, thank you for your help.

when i pulled my equifax myfico power report, it now lists that i missed payment in september. i never missed payment since 2008. how can do we explain this.


Starting Score: 598
Current Score: Trans union fico 713 (myfico 11/1/2012), EQ fico 671, exp 666 by AMEX
Goal Score: 720 across

In my wallet: GE/walmart at $10500, 2 capital ones at $750 each, Elan financial at $400, Amex BCP-$1000, AMEX Gold Delta at $2500, Discover more at $6,000 and Chase freedom at $3000

Take the FICO Fitness Challenge
Valued Contributor
Posts: 1,115
Registered: ‎10-31-2011
0

Re: Please tell me what is wrong with this.

The CL was $100 and it was CO for $219 and you settled?????

ccpics2.jpg

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