topic Re: Cap 1 buys Orchard account in Understanding FICO® Scoring

Cap 1 buys Orchard account

momerrier — Sun, 24 Nov 2013 22:08:07 GMT

Do I have any way to get the 4 year good pay (and AAoA) back that disappeared from my history when my card became a Cap 1 that only shows 5 months?

Re: Cap 1 buys Orchard account

Anonymous — Sun, 24 Nov 2013 22:35:11 GMT

Your Cap 1 should have kept your OB history. If yours did not, it would be the first I've heard of losing your acct history due to the transfer.

Re: Cap 1 buys Orchard account

Cynicalista — Mon, 25 Nov 2013 17:49:59 GMT

I had two Orchard cards dating back to 2007 and the only thing that changed on my CR after the transition was the name. The history for me remained the same. Not sure why that would happen with yours???

Re: Cap 1 buys Orchard account

SunriseEarth — Tue, 03 Dec 2013 20:54:36 GMT

My former Household Bank kept the old history when it switched to Cap One. You might want to reach out to the EO to see if reporting can be corrected

Re: Cap 1 buys Orchard account

Anonymous — Tue, 03 Dec 2013 22:10:36 GMT

I can co-sign all the above, I had an Orchard card that kept its history as well.