Quick question: What site can I go to for phentermine diet pills that take a Discover Card ty? Thanks for any response. My 2nd question... Hi all. Newbie here. I'm 28. Just started my 3rd business but to do so maxed out my credit cards this past summer.

They still show as maxed out and I'm sitting at a 562 (faco) score pretty much across the board because of that. That's not my issue though; this is:.

When I was younger and dumber I got my first Discover card offer from 1st Financial Bank USA. They gave me a $250 limit and an exorbitant interest rate. I wasn't great with money and got to the point where I basically ignored that I owed them money. Not smart, I know. :-) I opened the card in 2000 and by 2003 the balance was $1600. I offered them a settlement of $380 and they countered with $750.

This is where it goes wrong....

How do they report monthly after this? I would assume they would report it as Charged off once and then stopped reporting. They didn't do this. Instead, they reported the account as a Charge-Off for 5 years straight. Then it stopped. Then I look a few days ago and notice they've started reporting again! They reported "OK" in November, "Key Derogatory" in December and "OK" in January. I don't understand why they're reporting anything at all..

What's more is that from what I gather, "Key derogatory" means that the account is currently in a state of charge-off. Mine isn't and hasn't been for 7 years now.

I have a few questions:.

1. When you settle at a lower amount than owed, what is the credit issuer supposed to report as a monthly status after it's been paid and the account closed?.

2. What does Key Derogatory mean and what potential reasons would the account be reported to be in that status?.

3. Why would there be recent reporting on this account?.

Thanks in advance. I wish I had known what a headache I was causing myself 7 years ago. I would have just paid the entire card off.....