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My question is How can I use the last 4 digits plus expiration date of a Discover Card? Looking forward for any comment. My other question... Okay, I went to the bank today where I used to have an account because I wanted a copy of an old statement to help with a collection-related issue. |
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I would like to know the answer too. Anyone here know what is the right answer to your question. I'll do some poking around and get back to you if I bump into an useful answer. You should email the people at Discover Card as they probably could give you help..
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Heh. that's my style as well, inside. But my mother in law always says "you catch more flies with honey than with vinegar" so I just went ahead and kept smiling... at the teller..
To the supervisor I said "well, regardless..." and finished my sentence. Witch... |
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If it were me, I would have continued the conversation and asked when she thought they had fallen off.
Then maybe directed her to read up on FCRA... |
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I would have said:.
"I'm sorry ma'am, I didn't realize I was speaking to you. If I gave you that impression, I apologize". I have had the pleasure to do this on several occasions, and love the look on the other person's face. Telling someone to 'F off' without using the words!.. |
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I think there's something like a full factual record that might have everything on it, but I don't know who is actually entitled to see that...
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Would seem hardly appropriate when at a company doing business with that company and the person replying is the supervisor of the agent with whom the conversation is taking place.
Dave.. |
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They are still the customer and that supervisor shouldnt have run her mouth when she wasnt even being spoken to. No one made her God especially when she isnt even being factual. I would have called her out for being a dipstick and not knowing her laws...
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100% appropriate. Customer saying it, not the agent. Customer is always right, and I wouldn't even bank at a place with a manager like that. Not necessarily from being the "dipstick", but cannot deal with arrogance from those from which it should not come..
This post has been edited by hinklesc: 28 January 2010 - 07:27 PM.. |
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Next time you go in, bring a copy of the FCRA and highlight key points that she needs to know. Hand deliver it...
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Wow, so many replies! Thanks for the support, I should've said "really? You should go inform the people at creditboards.com of that fact. They'll surely thank you!".
Hehhehheh.. |
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It seems that "The customer is always right" doesn't apply to bankers. More like the "Customer is always wrong" until proven otherwise. One gets the feeling they are less than warm these days unless you have banked there forever. Maybe it's the times..
While I don't expect clerical and low level managers, unless they are underwriters, in banks to know the ins and outs of credit reporting, there is no reason to spout off about an area of expertise one doesn't actually have... |
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Funny thing is, I mentioned to one woman that my father-in law was a retired member of the board. She was extremely nice.
SHE was extremely nice.. Shouldn't have to name-drop to get a smile an a "thank you"!.. |
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Not sure about you all, but I HAD BETTER always be treated very nice at any place I bank; without any arrogance or condescending behavior at all. It is very simple to make a withdrawal and walk across the street.
A bank not much different than a fast food restaurant. They ALL do the same thing... |
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Flies are pesky, bite, buzz arround, and interupt nap time - I don wanna catch em - rather kill em..
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Hm I bet their website has contact information for submitting comments..
Noooo, that's just my lack of coffee talking. Shame on me!. I find myself wondering if she's responsible for submitting things to CRAs for the bank, seeing as how it IS a credit union and they DO do all kinds of loans, lines of credit, and so on.. Frightening!.. |
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Not sure the last time she pulled a credit report.. but you can see the estimated date to be removed right there.. she just has to count the years and months...
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Sorry Dave, but to me it's much more inappropriate to interject yourself into someone else's conversation, regardless of your position. It's even worse when you have no idea what you're talking about...
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Indeed. Full factuals are available for transactions or insurance involving $150k or more and employment of $75k/year or more..
Additionally, bankruptcy can report for 10 years and judgments can be reported as long as the local statute of limitations for collection of such judgments (which can be renewed an unlimited number of times in some states and can therefore stay on your report indefinitely).. So, yes, standard derogatory info older than 7.5 years that does not otherwise get deleted as a result of a CRA dispute may not be disclosed on a standard credit report but the info that has not 'deleted' can be disclosed beyond the 7.5 limit under some exceptions.. In any event the 'manager' should have kept her piehole shut and minded her own biznaz... |
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I think they can pull that when you apply for a mortgage. Seems to defeat the purpose of things aging off after 7 years, but what do I know?.. |
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Saddest part of this is that she works at a bank, hence, you would think she would have a clue (which,obviously, she doesn't)...But, some people rely on people in these types of positions to give them information and advice in such matters...Money & credit are closely related matters...This clueless witch does not need to hold this position so that she can misinform the bank's customers and with such a nasty attitude to boot. I cannot stand people that believe they're better than everyone else...Especially when they are completely ignorant!..
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Bet she was a BoA reject.....lol..
Canes, where have you been? I thought it was an established fact that all banks are now known to be God. At least in their books...... |
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Actually, to have done that would have bolstered the technically correct statement. Seven years and six months IS NOT seven years...
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It's been pretty well established now that the statement itself was technically correct. We don't know what her thoughts were regarding the statement (did she believe they fall off in 7.5 years? 2 years? 10 years? we don't know) so without this information we really can't say she was wrong, clueless, ignorant, whatever. Rude, snotty, obnoxious, maybe but only one of us was there...
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Baddies do not fall off your credit RECORD in seven.
Years, nor in 7.5001 years. As far as I know, there's. No law against keeping the data forever. What the. Credit reporting agency may not do is to REPORT. 8-year-old negative data. (Except possibly as a. Full factual, or to law enforcement if they need to. Know.). On the other hand, a bank may keep negative data. Forever, if you defaulted at that bank, or at a merged-. In bank (as BankOne is in Chase.). The report that a. Banker sees in those cases may show negatives. That are too old for a CRA to report.. For example, Chase was able to see (and fix) my 11-. Year-old baddie that came in with the BankOne merger.. They only fixed it because I proved that their own. Internal data was wrong ... and I still wonder if they. Ever really forgot.. ER.. |
