WAMU

[Anonymous]

OK as you can see i had a Providian Visa, and didnt keep it in good shape. Question is i opened it in Dec 2000, but didnt pay it off till april 2005, How long with this stay on my report??? From the open date or the paid date??

[Anonymous]

That should drop off sometime about Apr of 2008.  It's almost completely done hurting you.

Van

[haulingthescoreup]

As Van said, April 2008. Check your date of last activity (not payment) and add 7 years. You're almost there!

[Anonymous]

ok thanks

[SmartCookie]

Even though this is close to dropping and the rule is don't touch it for that fact...

Wamu/Providian can be a special circumstance for some people because they don't have all of the old records for everyone.  If there is anything that you can ethically find a dispute reason for on this and you are sure that nothing worse would come back (like you had more lates etc), you have a high chance of getting this removed sooner than April... and possibly in just a few days.   

Use this info at your own discretion.

[Anonymous]

hmmm pulled up EX and TU and they show last date of activity as April 05 on this account........intresting.

[SmartCookie]

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BrentO wrote:

hmmm pulled up EX and TU and they show last date of activity as April 05 on this account........intresting.

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There's your dispute reason.  If you PIF to have gotten that 0 balance, it should not have reset anything.

If you dispute, my suggestion is to start with EX.  Don't dispute 2-3.  I disputed on just EX with my Providian situation and Providian wiped it from every CBR it was on.  This was within the past 3-4 months.