Thinking about applying for Barclay.....

[Anonymous]

My TU fico score 8 is a 679 which is my best score.... I have one bad acct with no history just shwing up as a charge off that I don't owe but TU keep sending back verified and Honda Finance is no help either... anyway I applied fr Barclay a few mnths ag when my score was 640 and was denied.... should I apply again or wait til 01/16 when that charge off is due to fall off????

FYI I had a car loan with Honda that's paid/closed never late but TU is reporting 2 accts.... one that I had in 06 and the one I didn't have from 07..... no history is showing on the acct just balance and status charge off.......

[ojefferyo]

If it really isn't yours then dispute it and ask for the original loan documents from honda financial. 

[Anonymous]

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@ojefferyo wrote:

If it really isn't yours then dispute it and ask for the original loan documents from honda financial. 

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Agreed!

[Anonymous]

@ojefferyo @Musiclover I've disputed it a few times... first they took the balance down too $0, then I signed up for Lexington Law Firm not sure what they did but now it;s showing a balance. I sent in another request after I seen it reporting a balance again and came back as verified........ Idk what else to do smh

[ojefferyo]

Contact honda financail about the said account that you don't have with them and ask them to verify. If they cannot verify it then ask them for a letter stating that there is no such account. If the CB still plays hard ball then you may have legal grounds against them.

[Anonymous]

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@Anonymous wrote:

My TU fico score 8 is a 679 which is my best score.... I have one bad acct with no history just shwing up as a charge off that I don't owe but TU keep sending back verified and Honda Finance is no help either... anyway I applied fr Barclay a few mnths ag when my score was 640 and was denied.... should I apply again or wait til 01/16 when that charge off is due to fall off????

FYI I had a car loan with Honda that's paid/closed never late but TU is reporting 2 accts.... one that I had in 06 and the one I didn't have from 07..... no history is showing on the acct just balance and status charge off.......

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I agree with the other 2 posters. Ask for the original docs for the loan and dispute it again. Contacting a lawyer may be beneficial, however, make sure the benefits outweigh the cost.  If this doesn't work than I would wait until 2016 to apply for the Barclays credit card. IMHO, waiting will give you favorable results. 

I had to do the same thing for a few fraudulent accounts listed on my credit reports. At the time, I couldn't do anything else because the businesses had gone out of business. It was also before I found myFICO. Since then, I have accumulated a nice credit portfolio. 

I know it seems like forever, but the time will pass quickly. Find something else to occupy your time like requesting SP CLIs for the credit cards your currently own. Best wishes and keep up the good work.

[Anonymous]

Aww thanks beautifulblaquepearl, I've been trying for so long to get my credit back on track but situations like this sometimes make you want to give up.... I'm so happy I found  myfico......I'm learning a lot, I even got an approval for a Discover it card yesterday yay!!   Thanks to my myfico family!!                           

[Anonymous]

@ojefferyo Thanks! I sure will contact Honda first thing in the morning......

[NY2014]

First of all MssRemaa . Lexington Law firm is a joke . They "NOT LAWYERS " they are also in the collection Business. Figure that one out .. You need to concentrate dealing with your credit report before wasting the time jumping back and forth to what lender credit report they pull . In your case @beautifulpearl hit it right on the nail focus patients is a virtue of time.when I found My Fico forum over a year ago my credit was a mess... With the help of people here.i prob would have been on a bridge with a rope and rock tide to me lol Just kidding but seriously . Your doing great MssRenaa keep up the good hard work. It's rebuilding is not a race .first advice I ever heard BEr4life(quote) congrats on your progress and thanks for the App

[Anonymous]

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@Anonymous wrote:

Aww thanks beautifulblaquepearl, I've been trying for so long to get my credit back on track but situations like this sometimes make you want to give up.... I'm so happy I found  myfico......I'm learning a lot, I even got an approval for a Discover it card yesterday yay!!   Thanks to my myfico family!!                           

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You're welcome. Congrats on your approval from Discover IT!!! Stay on task... Stay focused... Stay positive... It will happen!