Ohwoody your assuming that they (Discover) are still carrying your account on their books. Could it be that they have sold your account to a third party for collection ?

Although a record of the account fell off your credit report, I'm sure Discover has a record of your previous account which I'm assuming can be found by your Social when looking up an archived account

Hey smcc, I am thinking more of....is Ohwoody wanting to know if Discover forgives]https://www.financeglobe.com/SocialNet/forum/showthread.php?t=538&highlight=friendly[/URL]
I have came back to a few of my creditors, it was not through bk, but it was all charge offs.

I thought inquaries were supposed to not show on my report after 2 years, right? there are 3 that are still there this month that are over 2 years old. should i dispute them? how do i go about getting the taken off?

That depends on which cb is holding the info. The same thing happened to my sister and I. Experian dropped 2 of my inq 30 days after it was suppose to come off. They are like crazy glue.

I don't know about that, I have about $30k in credit.

Just try not to get too much availale credit, you know they look down on that also:confused:

Hello everyone. i just looked at my updated credit report for the month.... it jumped up 17 points in one month, just because i paid a balance down on an account. will just paying a balance down really raise my score 17 points in one month?

That is great news to hear! Thanks for sharing this info kforbes86:white-flag:

Ohwoody your assuming that they (Discover) are still carrying your account on their books. Could it be that they have sold your account to a third party for collection ?

Although a record of the account fell off your credit report, I'm sure Discover has a record of your previous account which I'm assuming can be found by your Social when looking up an archived account

Ok......popquiz.As I said in a previous post I did have a Discover card back in the mid to late 90's.There was a balance owed,it got old & fell off my report or I may have included it in my Bankruptcy a few years ago.
This is my question.If I reapply & am not approved can they try & charge me for the old amount from way back when? Im trying to get my credit back on track & thought about another Discover card.

Thanks
ohwoody :

I pay my Hooters card payment online through thier website & have never had any trouble with the payments posting on time.Most of the time the payments will have began processing a day or so before the payment date.If I remember right,Im pretty sure its free to pay your payment online through the Hooters Mastercard website.Its works for me,it could work for you.

JM2CW
ohwoody

I was thinkin about that too.... Sounds like a good option...

I would use make the payments electronically and see how it works out.

I made a $500 payment on my Hooters Mastercard on Monday, and now it's Friday, and that available credit has not freed up. It still says I have my same limit, but my available credit doesn't reflect the $500 payment made 5 days ago. Is Hooters now waiting 7 days for payments to clear?

I recently got a CLI from Hooters, and have always paid on time, and never had a payment returned. I would call customer service, but I'll probably get too pissed off at them and end up cancelling the card, so I guess I'll just wait and see.

You know what??? I have been having the same problem with Hooters over the last 3-4 months. When they 1st did it, I called in and said what's going on and I got the textbook answer of our system periodically holds payments for up to 7 business days.

Next month will be my year mark with and I have yet to see a CLI... I really am very dissapointed with them... At this point, I don't know if I really want to keep it, because after a year dont they split up your ann fee into 12 months?

I thought inquaries were supposed to not show on my report after 2 years, right? there are 3 that are still there this month that are over 2 years old. should i dispute them? how do i go about getting the taken off?

Wait a couple more months and if they don't come off, don't worry about it because it won't count against your score and lenders will ignore it since it has been more than 2 years.

Kforbes86, first of all congrats on your score. Your score will increase as your credit to debt ratio (Credit limit vs amount owed) widens, meaning as your amount owed gets smaller your score will increase assuming you don't continue to charge on your account.

As far as your inquiries go, contact the Bureau in question and make them aware of your situation. They will be glad to rectify that issue

Again, conrgats !

Hello everyone. i just looked at my updated credit report for the month.... it jumped up 17 points in one month, just because i paid a balance down on an account. will just paying a balance down really raise my score 17 points in one month?

It could be a combination of 2 or more factors. When you a balance down, you reduce utilization and if you completely pay off a card to a $0 balance, you get points for that too because the FICO scoring system lowers your scores when you have too many accounts with balances.

I thought inquaries were supposed to not show on my report after 2 years, right? there are 3 that are still there this month that are over 2 years old. should i dispute them? how do i go about getting the taken off?

Hello everyone. i just looked at my updated credit report for the month.... it jumped up 17 points in one month, just because i paid a balance down on an account. will just paying a balance down really raise my score 17 points in one month?