I have the same problem with Discover, Sears & B of America

Posted by Marc (66.232.37.3) on August 20, 2003 at 15:31:51:

In Reply to: Citi Reaging posted by fred on August 19, 2003 at 18:52:36:

I managed to rack up about $10k worth of debt when I was in college back in '95. They knew I was an unemployed student, yet Dickscover gave me a card with a $5k credit line. I also had a 'student' Bank of America with a $1k which I also maxed out on food, gas, clothes, beer, etc.

This is what? like 8 years later? A look at my last credit report shows charge off from Discover, unpaid balance almost $10k and B of A $2752. All very nice - but the DATE of last activity they're giving for the Discover Card is 12/97, which is bullshit. The date B of A is giving is 9/98 on equifax and 2/99 on experian and trans union, which is extreme and utter bullshit, since I stopped paying on these cards during the summer of '95 and haven't paid a dime since.

It has been 8 years. Guess what? They can make up any date they want. Two years from now what's going to happen? I can almost bet my ass those dates will mysteriously change to 12/99 or 4/00 or some bullshit made-up date they want to throw in to keep this on my credit rating.

Guess you just can't win. How can I? I have no proof that I didn't start paying them. I imagine they do this to everybody.

Follow Ups:

Post a Followup