Good luck let us know the outcome. A fresh report with updated info should do.
Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
@TRC_WA wrote:
@jodiescha68 wrote:Sorry to have bothered anyone who thinks I'm lying...
To those of you who might have an interest...my score is 607 as of today ...it fluctuated from 650-680 most of the time before a couple months ago my credit score was lowered because of a 30 day late payment to another lender (not GECRB) that has been cleared up and I am good standing with this lender at this time....if I had made late payments on GECRB accounts or defaulted in any way to them I would completely understand their actions. It is possible when they checked my credit to update their accounts my score was lower I guess would be the only reason. I guess all I can do is pay the accts off I have balances left on and move on. It's weird how a company that gave me a chance a few years ago helped me build credit is now taking it all back.
Maybe if I sent the information from my bank explaining to the other company that I had the 30 day late with about my debit card# compromised and caused the payment to be refused is why I had a late payment they might understand. The other company adjusted my payment status so it dropped the 30 day late off my credit report.
Didn't say you were lying... I was just pointing out the 607 score as the reason they did what they did.
A 30 day late could very well set off red flags.
Houston........We have found the culprit. this is what triggered GE's AA on you. ( or any other lender for that matter )
@adavis425 wrote:
@jodiescha68 wrote:I think I'm just surprised that they would take such a drastic action when there was never a problem with any of their accounts specifically. I didn't have great credit when I got the accounts so I don't get it but it is what it is. Apparently it is not something that is happening to very many people which is good. I think I got a random acct screening and they think I am going to run because of a lower credit score and not from past history which is 23 years on my JCPenney card which hasn't been affected as of yet. As I said it is what it is.
You should also be mindful that CCCs aren't concerned only with how you treat them. They tend to look at your overall handling of accounts. So if you do something to one company that spooks another you could (and have) very well suffer AA. Good luck to you.
Well said.
@Creditaddict wrote:
@jodiescha68 wrote:I use the FICO on my Wal mart card acct. I do have a high utilization especially now after the acct closures. It is about 70% now and it was 55% before.
Here are my accts affected:
Dillards---$1600 limit $0 balance---closed
Sams Club--$1100 limit $556 balance---CLD to $560
Wal Mart---$1700 limit $1100 balance---no action so far
Lowes---$1100 limit $865 balance---CLD to $870
TJX---$400 limit $0 balance----closed
Gap--$400 limit $0 balance--closed
Old Navy--$900 limit $0 balance---CLD to $200
Credit score before 30 late 687
Credit score after 30 day late 602
Credit score 1st month after 30 day late removed 657
Credit score after adverse actions from GECRB 607
what other cards and balances do you currently have?
I think OP only has GE cards.