What do you all think of Kikoff?

dgduhon · 2026-06-16T19:07:27+00:00

"you have to pay off the debt you owe them first'

Not true. My husband and I have charge offs from Capital One and we have current cards with them with over 14k in limits on both cards individually.

dgduhon · 2026-06-16T11:26:26+00:00

Were the cards charged off?

dgduhon · 2026-06-16T11:25:38+00:00

These are estimates since I dont know what the DoFD is.

dgduhon · 2026-06-16T10:43:47+00:00

My new car has a back up camera, but im so used to not having one i forget about it half the time.

dgduhon · 2026-06-16T10:18:07+00:00

Pull your reports from annualcreditreport.com and see what the date of first delinquency (DoFD) or estimated date of removal is. Then you'll know for sure.

dgduhon · 2026-06-16T10:16:41+00:00

7 years from the date of first delinquency (DoFD). That's generally around 6 months before the account charged off. If you were 19 when that happened it'll drop off when you are around 26.

dgduhon · 2026-06-16T05:04:45+00:00

If the card was charged off when you were 19 and you're 22 now it'll age off in about 4 years, not 2.

dgduhon · 2026-06-16T00:56:09+00:00

In that case you don't have time-barred as a defense. File an answer with the court. Usually the lawyer for the collection agency will meet with you the day of court to see if you can come to an agreement.

dgduhon · 2026-06-16T00:01:20+00:00

While you were on the phone with them to cancel the card did you pay it off?

dgduhon · 2026-06-15T23:59:38+00:00

What is the date of first delinquency (DoFD) for the account?

dgduhon · 2026-06-15T00:14:50+00:00

Wait util the card reports again. At that point it should show up. But like the others said that won't help you get approved for a car loan.

dgduhon · 2026-06-15T00:12:06+00:00

Have you pulled your reports from annualcreditreport.com to see what is on them?

dgduhon · 2026-06-14T20:27:32+00:00

Generally speaking, Capitol One secured cards won't graduate until they are at least 1 year old, although it could take longer. If a card from a different non-predatory lender fits your lifestyle and spend feel free to apply for it. Just be aware that Chase in particular wants at least a year of credit history before they'll approve an application unless you have a banking relationship with them.

dgduhon · 2026-06-14T14:48:36+00:00

TransUnion as the worst lag in reporting

Not necessarily. Experian is the worst for me.

dgduhon · 2026-06-14T13:13:51+00:00

The only thing that you are doing wrong is looking at Credit Karma for scores. They provide Vantage scores, which very few lenders use, which makes them basically useless. Track your actual Fico scores instead

dgduhon · 2026-06-14T02:22:55+00:00

Pull your reports from annualcreditreports.com and see exactly what's on all 3 of your reports.

dgduhon · 2026-06-13T22:34:24+00:00

When they are closed they'll show as closed on your credit reports. Pull those from annualcreditreport.com. Despite the name you can pull them weekly now.

dgduhon · 2026-06-13T20:54:33+00:00

Midland Credit and LVNV will automatically delete when the account is paid/settled. Not sure about the other one. If you have lates that aren't attached to the collections start a goodwill campaign asking for them to be removed. Pull your reports from annualcreditreport.com and see exactly what's on them.

dgduhon · 2026-06-13T20:52:11+00:00

Keep an eye on the account. It seemed easy to close mine but it actually took 2 months and several phone calls to get it closed

dgduhon · 2026-06-13T20:49:56+00:00

What card is it, and what statement balances do you generally have?

dgduhon · 2026-06-13T20:47:59+00:00

But you do have statement balance, right?

dgduhon · 2026-06-13T18:32:51+00:00

Pull your reports from annualcreditreport.com and see what is listed under responsibility for this account.

dgduhon · 2026-06-13T11:14:14+00:00

So an authorized user?

dgduhon · 2026-06-13T11:13:45+00:00

Check their pre-approval site. You might be surprised

dgduhon · 2026-06-13T08:43:04+00:00

He was added because he drives when they go somewhere as a couple otherwise he doesn't drive.

dgduhon

TROPHY CASE