topic Re: I'm confused With JFCU in Credit Cards

I'm confused With JFCU

orl2185 — Sat, 08 Dec 2007 01:25:40 GMT

DEPARTMENT OF JUSTICE FCU (XXXXXX1234)
Opened: 11/2007

Balance: $0 Credit limit or largest balance: Not Reported Past due: Not on Record Payment terms: 10M Status: Pays account as agreed First reported: 12/1/2007 Portfolio type: Installment Description: Unsecured

Contact: DEPARTMENT OF JUSTICE FCU, 5175 Parkstone Dr Ste 200, Chantilly, VA, 201513816 • (703) 480-5300

I'm assuming this is a LOC account. However still to this day, I never got any checks from them to access this loc. I'm also still waiting for them to start reporting my plat visa account which was opened earlier then my loc. Has anyone else gone thru this ordeal on any other tl?

Re: I'm confused With JFCU

Anonymous — Sat, 08 Dec 2007 01:31:02 GMT

I would definitely call them. If you didn't get checks that should have been the first thing you did, especially with identity theft being the way it is.

Message Edited by jaybee on 12-07-2007 05:31 PM

Re: I'm confused With JFCU

Anonymous — Sat, 08 Dec 2007 01:41:27 GMT

i didn't get checks either, and my visa was opened up before my jloc, and 2 car refi's. everything but visa has hit cra's as well.

i think the loc is accessed by xfering $ into you checking account and writing checks/or using your debit card.

as for the visa not hitting the cra's, i'm hoping it never does! i'm going to give it some more time, then use it as an "offshore" card to keep cra's from seeing utilization

Re: I'm confused With JFCU

orl2185 — Sat, 08 Dec 2007 01:43:43 GMT

Ducky, did you get the same terms 10m?

Re: I'm confused With JFCU

Anonymous — Sat, 08 Dec 2007 01:56:58 GMT

this is how it shows on creditchecktotal;

EX EQ

Acct Type: Unsecured Loan Installment

Acct Status: Open Open

Monthly Payment: $82.00 $82.00

Date Open: 11/1/2007 11/1/2007

Balance: $4,139.00 $4,139.00

Terms: 10 Months

High Balance: $4,139.00

Limit:

Past Due:

Payment Status: Current Pays account as agreed

Comments: UNSECURED

Hasn't Hit TU Yet.

Message Edited by dnm45227 on 12-07-2007 08:56 PM

Re: I'm confused With JFCU

orl2185 — Sat, 08 Dec 2007 02:18:40 GMT

Oh, ok ty for you input ducky Hope this loc does not lower my score though

Re: I'm confused With JFCU

Anonymous — Sat, 08 Dec 2007 02:21:27 GMT

i hear that. i'm hoping the high util on the loc doesn't ding me either. if it doe so be it, i'm saving $365 a month by refing the 2 cars, which i used the loc to eat up the neg equity. necessary evil i'm affraid.

Re: I'm confused With JFCU

orl2185 — Sat, 08 Dec 2007 02:38:47 GMT

Sweet, saving 365 month. You may take a temp ding for the uti, but it's expected. I really like the exchange also.