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Old 08-10-2012, 10:42 PM
 
Location: California
4,402 posts, read 11,602,964 times
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Good to know.

And stay out of Oklahoma, LOL
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Old 08-10-2012, 10:44 PM
 
7,238 posts, read 10,890,436 times
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Quote:
Originally Posted by thebunny View Post
And stay out of Oklahoma, LOL
Good advice.

I had no plans of going to Oklahoma.

It has been on my list of "states to never visit/live."
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Old 08-10-2012, 10:58 PM
FBJ
 
Location: Tall Building down by the river
39,615 posts, read 50,276,243 times
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Quote:
Originally Posted by thebunny View Post
Good to know.

And stay out of Oklahoma, LOL


Why is a credit card that I paid off and closed considered a negative account?


It was a Radio Shack Credit Card that I didn't want anymore but it looks like i should have just kept it open


But it says...Paid as Agreed and closed. So that's negative? lol
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Old 08-10-2012, 10:59 PM
 
Location: California
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No idea. Dispute that it should not be shown as negative. Usually you can easily dispute online.
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Old 08-10-2012, 11:04 PM
FBJ
 
Location: Tall Building down by the river
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Quote:
Originally Posted by thebunny View Post
No idea. Dispute that it should not be shown as negative. Usually you can easily dispute online.
In the future once I start working again I do want to get another credit card so I can build up my credit. I only have 1 credit card that's in good standing because I only have 1 credit card....American Express lol
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Old 08-10-2012, 11:09 PM
 
Location: California
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Well, having one that is long term is good.

Try Capital One if you are looking for a card that seems easy to get without a lot of credit history. My fiance's credit is a train wreck. He was working on it, and just got approved for a card with a low limit. Told him I was going to apply for one, as if they will give him a card, I should be able to get 1 with about a 10,000 limit. LOL

Not putting him down. I just grew up in a family that put a BIG emphasis on credit and I have always been obsessed (no late payments in the last 10 years. It;s a sickness)
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Old 08-10-2012, 11:22 PM
FBJ
 
Location: Tall Building down by the river
39,615 posts, read 50,276,243 times
Reputation: 9451
Quote:
Originally Posted by thebunny View Post
Well, having one that is long term is good.

Try Capital One if you are looking for a card that seems easy to get without a lot of credit history. My fiance's credit is a train wreck. He was working on it, and just got approved for a card with a low limit. Told him I was going to apply for one, as if they will give him a card, I should be able to get 1 with about a 10,000 limit. LOL

Not putting him down. I just grew up in a family that put a BIG emphasis on credit and I have always been obsessed (no late payments in the last 10 years. It;s a sickness)
Yeah I been a American Express card holder since 2006 and no late payments. I learned my lesson from when I was in college. Pay on time.

Btw, Ameican Express checks my credit every year LOL
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Old 08-11-2012, 12:03 AM
 
Location: California
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My cell phone company checks mine. For some reason. Same company for something like 9 years. Never once shut off or even suspended for late, yet they check it every year. Not sure why.
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Old 08-11-2012, 12:15 AM
 
24,503 posts, read 35,420,732 times
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Quote:
Originally Posted by TVandSportsGuy View Post
Why is a credit card that I paid off and closed considered a negative account?


It was a Radio Shack Credit Card that I didn't want anymore but it looks like i should have just kept it open


But it says...Paid as Agreed and closed. So that's negative? lol
A closed card has a negative impact on your credit report. It'll disappear after several years.
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Old 08-11-2012, 12:31 AM
 
Location: California
4,402 posts, read 11,602,964 times
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But it should not show up in the "negative" column. I have closed stuff (loans that were transferred to another lender, a card that was closed and the number changed due to theft) both show up on my report but not in the negative. A "negative" is only supposed to be something that has negative history. A closed card will alter the available credit and the usage % but it should not be seen as negative
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