topic Re: Best Buy/Citi Hit Experian Today in Credit Cards

Best Buy/Citi Hit Experian Today

DiabolicallyRandom — Sat, 19 Oct 2013 05:13:22 GMT

Darnit! It reported as closed by consumer, so clearly my closing wasnt timely enough. It did report with the original opening date. That will be good for some, not me.

Re: Best Buy/Citi Hit Experian Today

09Lexie — Sat, 19 Oct 2013 07:44:47 GMT

Some will be pleased with the original date reporting. Sorry it didn't work out for you.

Re: Best Buy/Citi Hit Experian Today

mxp114 — Sat, 19 Oct 2013 09:27:40 GMT

You're best bet is to contact the credit bureau disputes team at Citi and/or Capital One, usually via fax or mail and make your case requesting an exception be made to suppress the tradeline from the CR. Is the name of the new TL BBY / CBNA?

Re: Best Buy/Citi Hit Experian Today

DiabolicallyRandom — Sat, 19 Oct 2013 16:01:33 GMT

Yeah, I didnt think cancelling would actually work. I figured I may as well give it a shot though.

Yeah its reporting as BBY/CBNA. I may give that a shot though.

Re: Best Buy/Citi Hit Experian Today

DiabolicallyRandom — Sat, 19 Oct 2013 16:02:08 GMT

Its now on all 3 now.

Re: Best Buy/Citi Hit Experian Today

Peter1142 — Sat, 19 Oct 2013 16:19:30 GMT

When did your last statement cut? Nothing for me.

Re: Best Buy/Citi Hit Experian Today

DiabolicallyRandom — Sat, 19 Oct 2013 16:30:40 GMT

Im not certain. I hadnt used it in close to a year and then I cancelled it in August.

Re: Best Buy/Citi Hit Experian Today

BearsAndTurtlesRtheBest — Sat, 19 Oct 2013 21:18:51 GMT

No alert from EQ for my dads card.

Re: Best Buy/Citi Hit Experian Today

youngandcreditwrthy — Sun, 20 Oct 2013 00:10:39 GMT

I would dispute it. Some may say that's morally wrong, but imo it isn't and not satisfyinf a creditworthy customer is immoral imo. Lol
Good luck :-) You can dispute it for free on all the major CRAs

Re: Best Buy/Citi Hit Experian Today

09Lexie — Sun, 20 Oct 2013 00:19:55 GMT

@young

It's not morally wrong, it's just wrong. There are no valid reasons to issue a dispute in this case.

Re: Best Buy/Citi Hit Experian Today

youngandcreditwrthy — Sun, 20 Oct 2013 00:27:08 GMT

Wrong why?
Lol

Re: Best Buy/Citi Hit Experian Today

09Lexie — Sun, 20 Oct 2013 00:33:48 GMT

You and I know what is and what is not a valid reason to file a dispute.

Not satisfying a credit worthy customer - falls under the invalid category.

Re: Best Buy/Citi Hit Experian Today

youngandcreditwrthy — Sun, 20 Oct 2013 00:35:58 GMT

Thanks for your opinion.

Re: Best Buy/Citi Hit Experian Today

Peter1142 — Sun, 20 Oct 2013 00:57:51 GMT

As long as you are honest in your dispute, I don't see why you can't dispute whatever you want -- you could say you never authorized Citibank to open a new tradeline and it is adversely affecting your AAoA. It's true, whether it's a valid reason to dispute the TL is up for the CRA to decide. It may likely backfire in your face, though.

Re: Best Buy/Citi Hit Experian Today

mxp114 — Sun, 20 Oct 2013 01:06:15 GMT

@Peter1142 wrote:
As long as you are honest in your dispute, I don't see why you can't dispute whatever you want -- you could say you never authorized Citibank to open a new tradeline and it is adversely affecting your AAoA. It's true, whether it's a valid reason to dispute the TL is up for the CRA to decide. It may likely backfire in your face, though.

Not a valid dispute angle, since the agreement with bank outlines that they can sell your account at anytime to a new issuer. Besides an unauthorized TL dispute will trigger a fraud alert on all three reports and will come back as verified. The best option is to request a goodwill account removal from the issuer, it can be done but of course is at the sole and absolute discretion of the issuer.

Re: Best Buy/Citi Hit Experian Today

Anonymous — Sun, 20 Oct 2013 01:14:06 GMT

@09Lexie wrote:
You and I know what is and what is not a valid reason to file a dispute.

Not satisfying a credit worthy customer - falls under the invalid category.

+1. Probably the worst reason to file any kind of dispute, though it does happen quite a bit.

For instance, that 1 guy at the return line where everyone hates simply because he's clogging the entire queue due his stupid nonsensical expectations where every single product, regardless of price, must be perfect and up to his standards, even when he's too cheap to afford better items.

Re: Best Buy/Citi Hit Experian Today

youngandcreditwrthy — Sun, 20 Oct 2013 01:33:21 GMT

Lmao. I was exaggerating, but I certainly agree with you on that last one enharu. I hate when people want to speak with me about their car getting towed. First question always is:
Me: Well hon, did you have your permit on your car?
Resident: well, uh..(insert excuse here!)
Me: you have to pay to get it, leave my office betch.
Resident: acting crazy
Me: it's $35 for a new parking sticker
Resident: actinf crazy

Me thinking: you're wasting my time and other people with REAL problems' time.

HAHA.

Re: Best Buy/Citi Hit Experian Today

Anonymous — Sun, 20 Oct 2013 05:01:59 GMT

For those of u that has their Citi BB card reported, what CMS are u using?

Re: Best Buy/Citi Hit Experian Today

BearsAndTurtlesRtheBest — Mon, 21 Oct 2013 05:20:28 GMT

Re: Best Buy/Citi Hit Experian Today

Meltdownblitz — Mon, 21 Oct 2013 06:05:18 GMT

It hasn't hit my CR yet. However I talked to Citi a couple weeks ago and they informed me that it would backdate because they are just taking over and its not a new account. We'll see if that stays true.