2 week old cloc shows 4+ years of history?

[bourgogne]

EQ; no account #, no description, 4+ years of history, what is the world coming too lol.  EX + TU are fine. what is my next move?  thx

[AllZero]

That's from Experian, correct? It's a CMS glitch. I have something similar. Overall, your AAoA will report correctly.

[bourgogne]

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@AllZero wrote:
That's from Experian, correct? It's a CMS glitch. I have something similar. Overall, your AAoA will report correctly.

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EQ, so just let it ride?  I am a stickler for details

[AllZero]

It shows the correct open date. I say let ride.

When I first saw my glitch, I was hoping for more aged accounts but no dice.

[bourgogne]

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@AllZero wrote:
It shows the correct open date. I say let ride.

When I first saw my glitch, I was hoping for more aged accounts but no dice.

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got it, thank you.  what about the description being blank, does that even matter - are line of credit graded or looked at differently than normal revolving lines?

[AllZero]

I just checked Experian. Some accounts don't have the account numbers, some do. Same for my 2 revolving NFCU accounts. I wouldn't worry about the account type either.

[bourgogne]

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@AllZero wrote:
I just checked Experian. Some accounts don't have the account numbers, some do. Same for my 2 revolving NFCU accounts. I wouldn't worry about the account type either.

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understood, I will let it go.  thank you.  I still cannot believe a $ 500 limit lol, what can you do

[AllZero]

Navy CLOC counts like a CC so you're good there.

Did you try recon with Navy? Maybe try a CLI in 90 days if you don't mind another hard pull.

[bourgogne]

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@AllZero wrote:
Navy CLOC counts like a CC so you're good there.

Did you try recon with Navy? Maybe try a CLI in 90 days if you don't mind another hard pull.

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I did, they said it could have been a glitch or that i had a checking acct and $25K card that have been never really used.  they said to reapply.  a week before I got the nfcu I got a pnc bloc for 66k and ended up getting virtual wallet to work with it for overdraft so the nfcu business was a wasted effort.  i am going through the motions using the card, just paid it with the cloc today.  will try a cli next year sometime.  pnc called me out of the blue yesterday, I was caught off guard.  a woman said we are on a recorded line and my accounts came to her because I am new with the bank and wanted to know if everything is working out for me.  lol I was stunned, I am like yeah, i am just testing it out to see how it all works, using the overdraft, paying bills, etc.  she gave me her # and said if I need anything just give her a call.  now THAT is a bank. i have had accounts for nearly half a century and I cannot remember the last time anyone has called just to check in.  stunning customer service, I am floored how good this bank and products are

[AllZero]

Navy also does welcome calls to new members too. Their personal CLOC caps at 15k I think and rates of 13.9% to 17.9%. I'm not sure on the business side.

I'm glad PNC is treating you well. It sounds like you are getting good customer service, especially with the 66k. I'm sure all others pale in comparison. If I had the same credit line, I know where my business would be directed.