trick or treat.

[queenie]

Hello
I have an acct with Beneificial on my report and all of a sudden I am now getting an offer from a credit card company to put this balance on a cc and make $35 mo pmts. Is this acct about to fall off of my report. If I take this offer wont that start the clock over. What should I do? acct details below.

BENEFICIAL/HFC
Account # 8317510050XXXX
Account Type Unknown - Credit Extension, Review,
Date Opened 1/1/1999
Account Status Closed
Payment Status Account transferred to another
The status on the report is unknown, not potentially negative closed or anything there is only a ? listed.

I am new please forgive me. I dont know if I am posting this in the right forum or not.

[chane]

Originally Posted by queenie

Hello
I have an acct with Beneificial on my report and all of a sudden I am now getting an offer from a credit card company to put this balance on a cc and make $35 mo pmts. Is this acct about to fall off of my report. If I take this offer wont that start the clock over. What should I do? acct details below.

BENEFICIAL/HFC
Account # 8317510050XXXX
Account Type Unknown - Credit Extension, Review,
Date Opened 1/1/1999
Account Status Closed
Payment Status Account transferred to another
The status on the report is unknown, not potentially negative closed or anything there is only a ? listed.

I am new please forgive me. I dont know if I am posting this in the right forum or not.

It should have fallen off of your report a while ago IF it's a negative account. It might not be. Dispute it if it is and tear up the credit card offer. They want you to start a new account so that it can kill your credit for 7 more years. Don't do it!

They are some sneaky bastards!

(Of course, if it's not negative, no need to dispute it. I still wouldn't accept their offer for the credit card though.)

[jlyriq]

definitely a TRICK, most of the time CC that have fallen off or are past the sol they will try and send you these offers but they are tricks don't fall for it.

[queenie]

Ok I wont fall for it but I am about to start my 1/2 punching. When I get my green cards back from CMRR when I send the validation letters out. Do I dispute the credit reporting agency with letters or online. Trish states that the CRA needs to be disputed "like the next day". :confused: