My CSC Report

[laz98]

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@Junejer wrote:
You're welcome. Use that card to by your sweetie a lunch or something and pay it off. Don't want to lose your CL for lack of usage.

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i would love to......but one is a jewelry store card (i can definitely use that....i mean, SHE can definitely use that!) & the other is my carecredit card.  so far i have yet to find a provider that isn't going to charge me one bazillion dollars.

[Junejer]

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laz98 wrote:

CRAP!!!  that's not good!  both of those O accounts i asked about are charge-offs!!!!! 

is that hurting me more?

& how did you find that?

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I knew that, but also it's on the back of the CSC reports. I = Installment, R = Revolving and O = Open.

How do you mean is that hurting you more? More than what?

[laz98]

mine has I & R.......looks like they gypped me!

is the fact that these charged-off accounts are showing as open, hurting my score?

[laz98]

i take it back, the O is there, i just can't read, apparently! 

okay, so my reports are listing 3 accounts as Open Collection, Open Charge-Off, & Installment Charge-Off....what's worse?

[Junejer]

No, not "open" in that sense. Open in the sense of type of account. You should be able to look on the report and see a closed date. It should be under the company name in the first shaded box on the left.

So, its company and under that is the latest reported date, under that is the open date, then the closed date under that.

[Junejer]

Charge off is charge off is charge off. If you have a balance on the CO CC, then it may still be counted in your util., so it will hurt your util %.

[laz98]

wow, i guess i don't know as much about understanding credit reports as i thought!  whew!

what i do understand is that these 3 crappy accounts are going to be on my reports until 2011 

[laz98]

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@Junejer wrote:
Charge off is charge off is charge off. If you have a balance on the CO CC, then it may still be counted in your util., so it will hurt your util %.

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well, none of them are CCs....one is a verizon wireless account, one is an unsecured loan. & the 3rd is just a CA (midland, of course!) trying to collect for verizon.  only midland is showing a balance.

[Junejer]

Who are the OCs for these accounts? How much of a balance are we talking about?

[Junejer]

I posted the previous post too quickly sorry.