05-29-2008 12:35 PM
05-29-2008 01:02 PM
05-29-2008 01:14 PM
05-29-2008 01:34 PM
Sounds like he was describing the Oasis program. Pay your delinquent balance in full, get a new Optima card with a CL equal to half the amount you paid along with removal of all derog information from your credit reports and backdating of the new account to the open date of the old one.
Oh, something I probably did not mention in my first post and something that may have some significance. The first phone contact with CA the gentleman (and I use that word losely) told me that if I paid the account in full that Amex would reopen the account and give me a credit line of $8000, isn't that generous of them to offer to do that?", etc. That conversation was so confusing to me because I didn't know who he was or why he was calling, and I don't remember a lot of what he said to me.
05-29-2008 02:15 PM
05-30-2008 06:30 AM
05-30-2008 08:27 AM
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.