Closed Credit Account Statement?

Seas123 · 12:42 PM

I'm currently disputing an account close date with my former credit card company.

Unfortunately, I lost the letter that said they closed the account in 2003, however, I have a statement from 2004.

This statement shows the balance I owed and lists a "0 credit limit". Additionally, an overlimit fee is listed as "Refunded"

I'm certain this account was closed, but does this statement reflect the same?

Thanks for any thoughts!

Mogul of Pineapples · 03:52 PM

Which credit card company is this with? Do you have the statement they mailed you or an e-statement that was printed from your computer?

Cucumber · 01:02 AM

Did you close it at the end of 03??! Because the billing statement might have gone to Jan 04 if you did.

Why are you disputing the close date anyway?

Seas123 · 10:22 AM

Thanks for the replies.

I have the mailed statement from Discover showing availible credit as "0". This account was closed as part of a credit counseling agreement in May of 2003.

I'm disputing the close datea, because Discover Card has choosen to report late payments, until to 2007 when the account was actually paid off. So instead of this dropping off my credit in May, they want to report it until 2014

I believe that since the statement from 2004 shows availible credit as 0 and overlimit fees as refunded, this proves my account was closed.

Not sure if this is the case or not. I'd be interested to hear if anyone has simliar experience.

Thanks

fffresh · 06:37 PM

Quote:

I have the mailed statement from Discover showing availible credit as "0". This account was closed as part of a credit counseling agreement in May of 2003.

Closing the account is different than settling the balance. If the amount remained unsettled and unpaid until 2007 then it sounds as if that date is correct.

Mogul of Pineapples · 06:57 PM

I think fffresh is right, unless there's more to it.

12:42 PM	#1
Seas123 Green Member Join Date: Dec 2009 Location: USA Posts: 1	Closed Credit Account Statement? I'm currently disputing an account close date with my former credit card company. Unfortunately, I lost the letter that said they closed the account in 2003, however, I have a statement from 2004. This statement shows the balance I owed and lists a "0 credit limit". Additionally, an overlimit fee is listed as "Refunded" I'm certain this account was closed, but does this statement reflect the same? Thanks for any thoughts!

03:52 PM	#2
Mogul of Pineapples Centurion Member Join Date: Jun 2008 Location: Where the smog from the 101 freeway coats my home's windows... Posts: 634	Which credit card company is this with? Do you have the statement they mailed you or an e-statement that was printed from your computer? __________________ “It takes 20 years to build a reputation and five minutes to ruin it. If you think about that, you'll do things differently.” -Warren Buffett Current Cards: American Express: Blue Cash, Simply Cash Bank of America: Visa Financial Rewards Platinum Plus Chase: Rewards Visa, Amazon Visa Discover: More Current Everyday Card: American Express Blue Cash

01:02 AM	#3
Cucumber Centurion Member Join Date: Apr 2008 Location: Zuma Posts: 456	Did you close it at the end of 03??! Because the billing statement might have gone to Jan 04 if you did. Why are you disputing the close date anyway? __________________ OBAMA Stop talking crap about him and give him a chance!

10:22 AM	#4
Seas123 Green Member Join Date: Dec 2009 Location: USA Posts: 1	Closed Credit Card Account Statement? Thanks for the replies. I have the mailed statement from Discover showing availible credit as "0". This account was closed as part of a credit counseling agreement in May of 2003. I'm disputing the close datea, because Discover Card has choosen to report late payments, until to 2007 when the account was actually paid off. So instead of this dropping off my credit in May, they want to report it until 2014 I believe that since the statement from 2004 shows availible credit as 0 and overlimit fees as refunded, this proves my account was closed. Not sure if this is the case or not. I'd be interested to hear if anyone has simliar experience. Thanks

06:57 PM	#6
Mogul of Pineapples Centurion Member Join Date: Jun 2008 Location: Where the smog from the 101 freeway coats my home's windows... Posts: 634	I think fffresh is right, unless there's more to it. __________________ “It takes 20 years to build a reputation and five minutes to ruin it. If you think about that, you'll do things differently.” -Warren Buffett Current Cards: American Express: Blue Cash, Simply Cash Bank of America: Visa Financial Rewards Platinum Plus Chase: Rewards Visa, Amazon Visa Discover: More Current Everyday Card: American Express Blue Cash

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