Member
powellfamily2009
Posts: 15
Registered: ‎09-08-2012
Re: Kinda Bummed...:(

I stand corrected on the Orchard Bank site. Just went back to get that link and realized that site was only to login and manage your account. VERY sorry about that. The AMEX prepaid DOES NOT report, but they keep track in house. I was told that generally after 12 months the goal was to move people that demonstrate that they have desposable income (shown by having money deposited regularly) and never have declines on the card into an AMEX charge card. Plus aside from the little "pre paid" emblem on the R-side of the card, the thing looks almost exactly like a regular AMEX card. Not that something like that should matter, but lets fact it; it does....lol. Sorry again about the Orchard Bank thing.....

Trans FICO = 660 (01/6/2013) Equifax FICO = 654 (01/6/2013) Experian PLUS = 656 (1/6/2013)
Wallet = AMEX Prepaid with $300 every 2 weeks deposited, Cap One (Formerly Orchard Bank) $500 CL in SOCK-DRAWER, Credit One Bank Visa $1000 CL in SOCK_DRAWER, Discover Matrix $300 CL in SOCK_DRAWER, Fingerhut Charge Account $300 CL in SOCK_DRAWER, and Barclaycard MC with $1300 CL
Goal.....To break 750-775 by the end of 2013
DId not reach my 2012 Goal of 700... :-((