OurCommunityPower.org >  Credit Forums   Debt Forums  Mortgage Forums  Insurance Forums
CreditMagic logo
Close

    LOG IN
Don't have an account? Sign up

*Email:
*Password:
*Display Name:
* denotes required field
*Email:
*Password:
Forgot password?
*E-mail:
  
HomeCredit ForumCredit repair

my acct was closed

 Post reply  Start a topic
Author Message
Options
Print this topic
Invite a friend
Email this topic
  Bookmark online
Add to del.icio.us
Add to YahooMyWeb
 
TheZster



Joined: 02 Apr 2008
TheZster's page
Posts: 6



333 Magic Points
Subject: my acct was closed
 
 Posted on Wed Apr 02, 2008 6:37 pm  
I never recieved a bill from a purchase I made. It appears that my purchase fell in between cycles. I found out that I had a bill about 2 months later. In which I immediately paid. Well the guy I talked to didn't log any of our conversation-SURPRISE! I started getting letters from company saying that I owed money, so I called and apparently he never removed the one late fee, so I was getting late fees from the late fee. So I got it all taken care of and go to make a purchase and my card was declined. I call again and was informed that my card was closed. Now I paid off my 2k balance in 3 months and had the little screw up above. I was completely shocked. I was told the only way to reopen it is to apply for a new card. While I am trying to improve my credit I don't want to apply, I don't need the card, What I am upset about is that I am sure on my credit report it is reporting closed by credit grantor. I talked to two supervisors and was told there is nothing I can do. Is that true? I am so upset. Just when you take two steps forward, you take 1000 back!
 
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 915



2963 Magic Points
Subject: debt
 
 Posted on Thu Apr 03, 2008 2:45 am  
Sorry to gear that. I know...it DOES seem, sometimes, when you are trying to 'do the right thing', something goes wrong. Was this a 'store' card, you had? A credit card, etc.?
 
Guest







 
 Posted on Thu Apr 03, 2008 2:46 am  
it was through dell computers
 
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 915



2963 Magic Points
Subject: card
 
 Posted on Thu Apr 03, 2008 2:49 am  
So...you had a Credit Card, THROUGH Dell?......you mean, to purchase things from DellComputers/Dell Products, etc?
 
scott

scott

Joined: 28 Jun 2006
scott's page
Posts: 185



4986 Magic Points
 
 Posted on Thu Apr 03, 2008 7:30 am  
Dont you have any proof that you had paid the bill? Any receipt of your payment?
_________________
SCOTT

Social security, bank account, and credit card numbers aren't just data. In the wrong hands they can wipe out someone's life savings, wreck their credit and cause financial ruin.
 
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 915



2963 Magic Points
Subject: cc
 
 Posted on Thu Apr 03, 2008 9:23 am  
Well, ZSTER..if you talked to someone in authority there, and you din't 'get anywhere' with them, I would say just leave 'sleeping dogs lie.' If you DID try to apply, for the CC again, Iwould almost bet, it would come back 'declined'. But, I agree with SCOTT. Do you have proof of payments?
 
Guest







 
 Posted on Thu Apr 03, 2008 2:16 pm  
yes there is proof. I have my confirmation # the information from my bank, I would much rather my cr show that I closed the account than credit grantor. I am not going to apply for another card, another inquiry another card with a a high limit. No thanks!

My payment did post, the problem was that the mysterious male never removed the said fees which caused my account to be delinquent. So when i called in March that is when we cleared it up and suddenly my acct was closed.
 
Laura

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1407



34560 Magic Points
 
 Posted on Fri Apr 04, 2008 7:44 am  
Okay then, if you have a proof, go ahead and dispute it with the bureau. Items get deleted if you can provide strong evidence against it. Try at least.
_________________
Regards,
Laura.
 
scott

scott

Joined: 28 Jun 2006
scott's page
Posts: 185



4986 Magic Points
 
 Posted on Thu Jun 26, 2008 8:42 am  
I agree with Laura. You should immediately dispute the listings with the credit reporting agencies since you have the valid documents of your payments. You can also send them the confirmation numbers of the transactions by certified mail along with the dispute letter. I think the listing will be removed from the report.
_________________
SCOTT

Social security, bank account, and credit card numbers aren't just data. In the wrong hands they can wipe out someone's life savings, wreck their credit and cause financial ruin.
 
Joe
Guest
Subject: Dell
 
 Posted on Mon Nov 17, 2008 7:26 am  
I had something similar happen to me, the funny thing is that I can not use the Dell credit but it is still showing on my credit report which is good for me. I think Dell Financial has a way of not letting you charge on the account but keeping it open. This way if you get back on your feet credit wise they can run your credit and let you to continue to charge on your old account. I would suggest seeing what is reported on your credit report
 
Quick Reply
Your Name
Subject
Message body
Page 1 of 1

 


All the works we publish comply with the Creative Commons Attribution License.
This work is licensed under cc by 2.0

Home Knowledge bank Forums About us

Members Area
  • Log in
  • Sign up
  • Bookmark us
Ask the Community
Join credit magic community
Search
  • Forum Search

Financial Tools
  • Credit Repair Tool

Financial blog reader.
Quick poll
What is your credit Score ?
400-500 
500-600 
600-700 
700-900