Zombie_Don
Hello, it's been a while since I last posted.
About 4 years ago I bought our first home and since then racked up a rather large cc bill. Back in Jan of this year it was roughly $5k. I paid off $1000 of that in March with some of my tax money. In April of this year my CC company set me up on a payment program that suspended my account and allowed me to pay what I could afford each month. Agreements were verbal and nothing in writing.
In May I paid off the remaining $4k with bonus money I recieved from my job. When I agreed to the program I was told my cc would be reinstated if I paid the remaining balance off.
In June I called DiscoverCard to have my card reinstated and they told me they could not do so because a review had to be done after 6 months(Oct).
So today I called them to have the card reinstated and a review was done after checking my Credit Score over the phone. They denied it because my score did not meat their critera. Which they could not disclose.
Last summer I got behind on some bills take my credit score from a low 700 to 520 last time I checked back in Jan of this year. I've done a much better job now of keeping up with my bills and would have liked to have had my CC for emergencies and such. But it looks like a screwed my self yet again...
Firstly, can Discover Card do this?
And is there any advise other then continue to pay my bills ontime?
Thanks
About 4 years ago I bought our first home and since then racked up a rather large cc bill. Back in Jan of this year it was roughly $5k. I paid off $1000 of that in March with some of my tax money. In April of this year my CC company set me up on a payment program that suspended my account and allowed me to pay what I could afford each month. Agreements were verbal and nothing in writing.
In May I paid off the remaining $4k with bonus money I recieved from my job. When I agreed to the program I was told my cc would be reinstated if I paid the remaining balance off.
In June I called DiscoverCard to have my card reinstated and they told me they could not do so because a review had to be done after 6 months(Oct).
So today I called them to have the card reinstated and a review was done after checking my Credit Score over the phone. They denied it because my score did not meat their critera. Which they could not disclose.
Last summer I got behind on some bills take my credit score from a low 700 to 520 last time I checked back in Jan of this year. I've done a much better job now of keeping up with my bills and would have liked to have had my CC for emergencies and such. But it looks like a screwed my self yet again...
Firstly, can Discover Card do this?
And is there any advise other then continue to pay my bills ontime?
Thanks