I'm confused With JFCU

[orl2185]

DEPARTMENT OF JUSTICE FCU  (XXXXXX1234)
Opened: 11/2007

Balance: $0 Credit limit or largest balance: Not Reported Past due: Not on Record Payment terms: 10M Status: Pays account as agreed First reported: 12/1/2007 Portfolio type: Installment     Description: Unsecured

Contact: DEPARTMENT OF JUSTICE FCU, 5175 Parkstone Dr Ste 200, Chantilly, VA, 201513816   •   (703) 480-5300

I'm assuming this is a LOC account. However still to this day, I never got any checks from them to access this loc. I'm also still waiting for them to start reporting my plat visa account which was opened earlier then my loc. Has anyone else gone thru this ordeal on any other tl?

[Anonymous]

I would definitely call them. If you didn't get checks that should have been the first thing you did, especially with identity theft being the way it is.

Message Edited by jaybee on 12-07-2007 05:31 PM

[Anonymous]

i didn't get checks either, and my visa was opened up before my jloc, and 2 car refi's. everything but visa has hit cra's as well.

i think the loc is accessed by xfering $ into you checking account and writing checks/or using your debit card.

as for the visa not hitting the cra's, i'm hoping it never does! i'm going to give it some more time, then use it as an "offshore" card to keep cra's from seeing utilization

[orl2185]

Ducky, did you get the same terms 10m?

[Anonymous]

this is how it shows on creditchecktotal;

                                                             EX                                                   EQ                                

                    Acct Type:                         Unsecured Loan                   Installment   

                    Acct Status:                      Open                                  Open   

                    Monthly Payment:             $82.00                                $82.00   

                    Date Open:                       11/1/2007                            11/1/2007   

                    Balance:                           $4,139.00                            $4,139.00   

                    Terms:                              10 Months     

                     High Balance:                                                              $4,139.00   

                     Limit:      

                     Past Due:      

                     Payment Status: Current                                             Pays account as agreed   

                     Comments:                                                                  UNSECURED

Hasn't Hit TU Yet.

Message Edited by dnm45227 on 12-07-2007 08:56 PM

[orl2185]

Oh, ok ty for you input ducky Hope this loc does not lower my score though

[Anonymous]

i hear that. i'm hoping the high util on the loc doesn't ding me either. if it doe so be it, i'm saving $365 a month by refing the 2 cars, which i used the loc to eat up the neg equity. necessary evil i'm affraid.

[orl2185]

Sweet, saving 365 month. You may take a temp ding for the uti, but it's expected. I really like the exchange also.