Nice job on getting the Ollo card. Was it their rewards card or just the regular card?
And now with the three revolving accounts, you should be good to go with the installment loan you already have. That should satisfy everything that CRA's are looking at in a credit file.
And now with the three revolving accounts, you should be good to go with the installment loan you already have. That should satisfy everything that CRA's are looking at in a credit file.
@MileHigh96 wrote:
Nice job on getting the Ollo card. Was it their rewards card or just the regular card?
And now with the three revolving accounts, you should be good to go with the installment loan you already have. That should satisfy everything that CRA's are looking at in a credit file.
To be honest, I am not sure. I did as you suggested and opened up my credit kharma app and saw the offer there. I checked to see if it had an AF (I typically only care about AF's and Maintence fees for starter cards) and I knew this was a card that could have the CLI easily enough so I pulled the trigger. Since I already have a rewards card with the Quicksilver, thats the only card I planned on using anyway so I wasnt too concerned. I guess I should have looked though.
Guess now we wait!
I just realized that looking at my own screenshot there seems to be two dupliacte accounts on my tradelines lol
@rosco75 wrote:I just realized that looking at my own screenshot there seems to be two dupliacte accounts on my tradelines lol
Yes, it does. However, that is a good starting point. We can clearly see that the first several numbers in the 'Account Number' are the same in both pairs (please see attached screen shot below). But, what we do not know is what the hidden numbers are. It is possible that the hidden numbers are different. But I would investigate.
Starting Score: Exp 627
@HowDoesThisAllWork wrote:
@rosco75 wrote:I just realized that looking at my own screenshot there seems to be two dupliacte accounts on my tradelines lol
Yes, it does. However, that is a good starting point. We can clearly see that the first several numbers in the 'Account Number' are the same in both pairs (please see attached screen shot below). But, what we do not know is what the hidden numbers are. It is possible that the hidden numbers are different. But I would investigate.
So I called the department of education and found out that all 7 of these student loan tradelines are the same TWO loans. (one of the navient ones is actually a legit duplicate)
What was told is that the two loans starting with 4309 are the origional loans opened in 2001. They defaulted sometime in 2005 and were "consolodated" or sold, to NELNET. Then, after they had them for a while they were sold or transfered or whatever, to depatment of education on 12/13/2010. Then they made one last jump to Navient and she wasnt able to see what that date was but gave me a number to call to find out.
What is strange to me is this - the last time that I actually paid anything on these two loans was sometime around 2005. But yet all of these tradelines show payments and late payments throughout the last 15 or so years even showing late's from 2020 and 2021. How is this possible? How did 2 loans turn into 6 tradelines. It has trippled my late payments, and somehow has been reporting even though these loans were c/o years ago and recently discharged through TPD discharge. Shouldnt these loans have fallen off years ago? Shouldnt they all be only 2 tradelines not 6?
Here is an example of both payment history and missing payments being reported through the years even though I have not touched these loans since 2005
