@Anonymous wrote:Hey BKers
So I've been going through my 3B reports fixing errors and getting things in order and some strange things have happened that I didn't notice before. Thought y'all had some ideas.
One creditor (Credit One) doesn't show up on any report. They were definitely IIB. I tried to prequalify right after my discharge but they denied me. Reason: previous CO credit one account. ??
I had a credit card and LOC with a bank who does not appear on any 3B report. It was a checking account with loc and a bank-branded MC... It's like I never had them. I saw them on my chexsystems report and got them off. (*See below). So what happened?
Can these folks suddenly appear again, you know like in 5 years when my scores start rocking?*So in getting denied for the Apple Card last fall, a curious line in the AA letter said something about a bank account being closed. After some sleuthing I found out that you can a closed bank account off your chexsystems report due to BK. You can do this online, and it took literally not even a month. They send you a report. When I went back to do the "free" SP for the Apple Card, (sometimes you just gotta do it, plus free credit score in the email they send you), that line was gone from the AA letter. The more you know...
Theres been stories about this happening here and there and really theres no answer why it happens. They might show back up after DC so it doesnt look like their collecting on a debt. Otherwise. Be thankful. It aint showing! 
@FireMedic1 wrote:
@Anonymous wrote:Hey BKers
So I've been going through my 3B reports fixing errors and getting things in order and some strange things have happened that I didn't notice before. Thought y'all had some ideas.
One creditor (Credit One) doesn't show up on any report. They were definitely IIB. I tried to prequalify right after my discharge but they denied me. Reason: previous CO credit one account. ??
I had a credit card and LOC with a bank who does not appear on any 3B report. It was a checking account with loc and a bank-branded MC... It's like I never had them. I saw them on my chexsystems report and got them off. (*See below). So what happened?
Can these folks suddenly appear again, you know like in 5 years when my scores start rocking?*So in getting denied for the Apple Card last fall, a curious line in the AA letter said something about a bank account being closed. After some sleuthing I found out that you can a closed bank account off your chexsystems report due to BK. You can do this online, and it took literally not even a month. They send you a report. When I went back to do the "free" SP for the Apple Card, (sometimes you just gotta do it, plus free credit score in the email they send you), that line was gone from the AA letter. The more you know...
Theres been stories about this happening here and there and really theres no answer why it happens. They might show back up after DC so it doesnt look like their collecting on a debt. Otherwise. Be thankful. It aint showing!
Fingers crossed!!
@Anonymous wrote:
@FireMedic1 wrote:
@Anonymous wrote:Hey BKers
So I've been going through my 3B reports fixing errors and getting things in order and some strange things have happened that I didn't notice before. Thought y'all had some ideas.
One creditor (Credit One) doesn't show up on any report. They were definitely IIB. I tried to prequalify right after my discharge but they denied me. Reason: previous CO credit one account. ??
I had a credit card and LOC with a bank who does not appear on any 3B report. It was a checking account with loc and a bank-branded MC... It's like I never had them. I saw them on my chexsystems report and got them off. (*See below). So what happened?
Can these folks suddenly appear again, you know like in 5 years when my scores start rocking?*So in getting denied for the Apple Card last fall, a curious line in the AA letter said something about a bank account being closed. After some sleuthing I found out that you can a closed bank account off your chexsystems report due to BK. You can do this online, and it took literally not even a month. They send you a report. When I went back to do the "free" SP for the Apple Card, (sometimes you just gotta do it, plus free credit score in the email they send you), that line was gone from the AA letter. The more you know...
Theres been stories about this happening here and there and really theres no answer why it happens. They might show back up after DC so it doesnt look like their collecting on a debt. Otherwise. Be thankful. It aint showing!
Fingers crossed!!
Copy that!