Capital One Credit Card account not reported to bureau

I have an account with Capital one I've had the account since Feburary 2, 2007 .Ive been told that the account was closed each time I try to get infomation I am put off ,because I know that it isnt been reported to your company or the other two (account number is
3243008-2001) I found out that it wasnt being reported when I tried to trade the car I was told that a bank would not help me because of that, Please help me soon.
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my name is bo majors
i operate a credit help webpage
i am not a bureau or capital one the only way to have something reported to a bureau
is through a creditor sucn as a credit card company
so you have to mediate through cap one

Use these credit cards to improve your credit score

Re age credit card loan.

How effective is it to ask a credit card company to re-age your loan? Does it work? How fast will your credit score improve? Also I have a collection account that was paid to the original creditor but however the collection account updated and did not remove from my credit report. Although the original creditor explained to them to remove this letter. What is the next step?
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dispute the second collection. as you paid the orignal creditor
say not your account never heard of re aging a credit card loan
what do you mean
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Re-aging the credit card balance…the creditor
wiping away the late payments agreeing to a payment arrangement and allowing you to start fresh.
Will paying all credit balances to zero improve your score rapidly? If not how long does it normally take to get points back?
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this would be the fastest way
YES
one year later and some new current credit....your score would jump
everything is paid off and you have new credit
the reaging thing/\....
i do not know about that
seems strange
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OK, THANKS
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the reaging thing sounds good
Try that also. I cannot hurt.

Does your credit score go down when you apply for a credit card

Does your score go down when you apply for an credit card. Im trying to rebuild my credit and I have one credit card Orchard Bank the limit is 300 dollars so do I pay 290 on it and leave the 10 dollars as the remaining balance how much lower could I pay on an balance of 300 for an score increase. Also I had an credit card by first premier that was closed and I owe 470 do I write then an letter like you have on your webpage or do I go ahead and call them and see what they say. I want to reopen with them again
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When you apply, you get an inquiry. Inquiries reduce your score by 1 - 6 points. So no.
Pay the cedit card off, completely and add more money to it to get a higher credit limit. ]
300 is considered and thin credit record.
Thickin the file by maying more than you charge to raise your limit.
Call first premier and reopen that account. Pay that one off and add to it like above.

Should I pay American Express or the collection CA

My charged-off account is with American Express; I owe $1,074 and can pay it in full. I have received letters from a CA willing to settle for $700. My Credit report lists only Amex. I was planning to reopen the account to replace the bad credit by paying in full. Would it report the same if I just settle with the CA for $700 and find an alternative source of credit (like Old Orchard). I spoke with Amex and inquired about any good will policy that could be implemented with payment in full – they referred me to their credit department (which I haven’t contacted yet). Since this will fall off in 2009, I want to avoid any re-dating by Amex, but I would also like to take care of my obligations.
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It would be better to do business with amex
they will blackball you forever if you do not pay them no matter what your report says
and
you can get new good credit with them.
bypass the ca, but ask amex about the ca and if you pay will the ca go away
get something in writing, on business letter head before you pay
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Credit for you. Student loans 120 days late and credit cards not reported to Experian

Hey there, just happened to stumble upon your website and read your story. I am in a similar situation now (at least I did not think i was) but let me tell you a brief synopsis about myself:
- Credit for 11+ years- Married- Have not been late on any payments for several years- Some inaccuracies on Experian report I need to square up- $0 credit card debt balances all have been paid in full and still open (4 total)
Here's my problem....
1.) I have been great at paying on time for year, but around 5-6 years ago I had student loans that I was not even aware of which went into default 120+ past days due several times. Since then I have never missed a payment. They are government lenders for Student Loans and wondering if it's possible to negotiate with them at this point because I keep paying and the balance goes nowhere!
2.) I have 2 joint Credit Card accounts with my wife in both of our names and both are missing from my report, including a huge mortgage we paid off since we sold our property last month. I couldn't believe it wasn't on the report.
I have to say when I opened up my score from Experian at 606 I was shocked. We make good money, never miss any payments for the last several years now but feel like I have been ripped off and now can't even think about applying for a mortgage at this point unless I get the score back up and feel totally helpless.
Any help or insight would be tremendous ~
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i would ask the student loan folks about the one time forgiveness plan they have on loans

you may not qualify and it you may not be able to change your past lates
but I do know they have a forgiveness program. I am not sure about details at all
just call them and ask them

your credit cards and mortgage may have been reported to the other two bureaus or just one of the other two bureaus
or none may have been reported at all
always get your report from all three bureaus

who was your mortgage with
who were your cards with. what bank AND were they a visa, master card, or american express? here again.
i would call the banks and ask if they reported
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Thank you for the reply. I will call the school loan folks and see if I can help myself first. Is it possible to settle for less with same lender and not have that show up on your report as being "settled or less"?
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not really
if you settle for less, why would someone say you paid in fullunless, they are desperate for your money and, you are a good negotiator
i would not plan on that happening.
it is good to get, the date of last activity and zero balance marked in stone though.
after 2 yrs, the settled for less becomes meaningless if you have good current rated credit and, the account shows zero balance
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Settlement advice needed on old credit card collections

I am getting conflicting advice from several debt counseling companies and websites, and so I am writing to you. I read all the archived posts on your website and admire your common-sensical and practical approach to debt reduction / credit enhancement.
I have accumulated about $32,000 in charged off credit card debt. Recently, I paid off 2 cards in full (original creditors) and still have $26,000 debt left.
The rest of the cards are with collection agencies and they are offering settlements. My confusion is whether I should opt for the settlement or pay the debt in full. If I pay in full, it will be reported as 'paid in full' on the credit report but the 'charge off' notation will still remain. If I settle, it will be reported as "Settled", but the 'charge off' notation will still remain.
My other problem is that if I opt for a settlement, they want me to settle in 3 monthly payments, which I cannot afford.
My question is, should I settle and save some money or pay in full and get a better score on my credit report - which will hopefully help me when I buy a car or a home.
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there is really no difference on your credit report between settled and paid in full if the charge off notation still shows
which it probably will.
most collection companies pay .30 to .40 on a dollar for the right to try and collect anyways
unless they are in house collection companies and the collection is less than 1 year old. if i could setle I would. the reason they offer 3 payments is because once they offer a settlement or payment plan an you take them up on it. They cannot take you to court over what might remain if you fail to pay in full.

Credit help questions for late payments, charge offs and court

I payed off a lot of deb with income taxes on my credit report it shows payed but is there anyway to get them off? I was reading Ur site and u was talking about get written letters saying the would take it off Ur credit if u agree to pay
which in my case is a cell phone bill
should i pay the attorney that sent me a letter or the cell phone company? My husband has a direct tv bill from when he was 18 and he is now 27 but it shows up when we try and get something but i don't see it on our credit report and directv doesn't help when i try and call them b/c the said they need a address he doesn't remember it one more question we both have 3 open accounts but one of his is through citi financial really high interest rates should we pay them off please help with any question need to get score up
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number one credit help mistake
paying off past bad debt BEFORE you talk to them and ask for help, removal, or to reopen.
i would try to re open anything that i paid off and after 12-24 months ask them to only report the past 24 months. ATTORNEY. OOOOPPPPS your in trouble there.
I would call the cell company first
attorney second and BEG. Dispute the direct TV bill with the credit dispute form. say not yours you never lived at that address.
you should pay the citi card down to less than 79% of your high credit limit. Keep it open and pay good for 1 -2 years.

What letter do I send to find out my balance on a closed or charged off account

I was reading thru your website and it has inspiried me to start working to repair my credit. I do believe i'm at the bottom barrel of credit and am looking to repair damage done within the last 24 months. What letter do I use to request the total balance on an closed account from the original creditor as on my credit report no collection agency is listed.
I would like to pay these accounts either in full or thru payment plans and hopefully reopen the closed credit cards and pay on an repo car.
Please let me know the best way to begin this process.
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just dispute it with the bureaus first
say it is not yours then use the addresses and phone number to call or write for that information
there is not any pat letter
just write what is my balance on account #send a copy of your driver license
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Do we close all our credit cards but one or two to get our score higher

I have been doing a lot of reading and still can’t come to a conclusion on what to do. My husband and I have a credit score of 788. We have had a lot of debt but have always been on time. Recently we have worked really hard to get all our debt paid off. I am happy to say that we only have about $7000 left—we have paid off $20,000 in the last few months. My question is: Do we close all our credit cards but one or two? They all have a zero balance, but I don’t want to hurt my credit score. We are going to be applying for a home loan soon and want the best score possible. We currently have 4 credit cards and 1 line of credit, all with a zero balance. What is the best solution?
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i wouldnt close anything out as it lookss good to have a low debt to high credit credit limit ratios accross all your credit cards
788? good gosh dont worry be happy, my credit union used 684 for the best rates some mortgage brokers will maybe go as low as 5.5 30 fixed
but one normally has to pay a point even with a 788. i refuse to pay points
they have these huge fees, 3500 range for 30 yr fixed.
i think i am gonna sell my house in a few years
i got a 5.125 7 yr ballon with figuured on a 30 yr fixed
closing cost 1200 that way when i go to sell i haven't added 3500, plus a point or like 5000 more
and of course
they say no money down or refis, so what, they do is add the fees into your loan.
that really bother me
one needs to decide how long they are going to stay in the house and make correct decisions
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So how do you get out of paying points? One of my husbands (and mine) biggest gripes is the huge fees we are charged when we buy a home. Tell me how to get around that! The loan costs on a mortgage are outrageous.
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points add on to fees to buy down the interest rate on conventional fixed rate loans
i refuse to buy down rate or pay points PERIOD feees on conventionals
ad up, lenders fee 795, title fee 350, credit reports 35, deed search and on and on.
ask em what they are
they add up to 3000 dollars at most lenders but vary
my credit union will do 2800 but countrywide who has my loan called me and said 6.5 fixed with 3500 fees
i called credit union they said 6.0 with 2700
i called tyrone back at country wide and said DUDE
you have my loan now, you emailed and mailed and called me. and you can't beat my credit union. call me back when you can get REAL

i kept asking for lower fees because we plan to sell in less than
she said the lowest fees go with ballons
the bad end is ones credit could go south in 7 years and it might be hard to refi
OR one thing i found out when i refied this house. My friend with mortagage connection tried hard to get me to finance more and pay a point...... i refused. when i signed the paper i saw on one line that said brokers money. he got paid 3500 range as a percentage and would get like half the points had i paid them. it pi...... me off
i think 4000 to finance my home is too dang much. and i refuse to use a realtor for 6 percent. what are they smoking those crazy people. They have this high paying lobby thing. we are stuck until we break em up a little. it is happening as we speak. forsalebyowner.com gets listed in the mls.
this really p..... the realtor lobby off and they are still fighting-----------------oh i got lost.)^^%$#@@ sorry----------------the interest rate could go up and i might pay more money for a refi later since i plan to sell, i will have to refi anyways o i am willing to risk it, matter of a fact i have to risk it if i plan to sell and the fees are half for a ballon an the rate is lower 5.125 rate, 1200 - 1300 fees
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if you plan on staying
get a conventional loan an d pay th least amount of fees and rate you can call a credit union if you have one
a mortgage brokerand maybe your current lender ask each one to break down the fees.
tell them the best man wins, plain as day but with a conventional you will have to pay those fees you can find places that have lower fees tho

have 20/21 negative accounts depending on the cb and 40k in student loans

I am having trouble putting my credit back together. I have worked for 10 months trying to get negative/old/deliquent accounts removed and I have tried to get my limit on the only bank card I have increased but I keep getting denied. I want to buy a house but I am having a hard time getting my score improved by more than 2 or 3 points. I currently have 20/21 negative accounts depending on the cb and 40k in student loans. How am I going to improve my score when I cant open any new accounts because of my score and my debt to credit ration is 2.11 percent? Please help!
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20 or 21 items.... Student loans and credit cards. That's a bad one. the credit debt ratio is not the problem ovbiously. Some times when you have your credit so screw the best advice is to wait it out. 4, 5 or even 6 years and start disputing the listing. It is good to have that card open, once all the bad stuff is gone after 7 years that will be the lenght of your credit history, whatever you do make sure that you pay that account on time. You can try to open another, maybe with orchand bank for $300 but stay away from that Credit One card that people mind trouble.

Sure they can, they can do anything they want, until you let them know with a summons that you will sue
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of the 20 15 are student loans that show good payment history
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find some way to get and keep good open, non maxed, rated, reported credit.

Equifax Credit Report

Hi Bo, I have been reading your site on what to do about poor credit, because we were trying to buy a house. I wanted to ask you a question about the scoring system that is in use by Equifax. Last year I purchased there Score Watch product because I wanted to keep track of what my score. In the past I had some collections that I was monitoring that had been reported on my credit report that caused a drop in my score 10-40 points. Here lated we had paid off one of our medical bills and had the collection agency to remove it from the report. The score never adjusted one way or another. We just recently had a $2600 paid judgement to drop off after 7 years. We noticed that my score went down 5 points afterwards. I just placed a huge amount of money our vehicle that left us with $7000 remaining on our automobile. That went down from&nb sp;$12460 from last month which was a 25% decrease in the overall amount of $21300 total balance. The score never budged. Is there something that is wrong with the scoring system at Equifax or is it something that I am doing. I have not been late on our vehicle for the last 4 years but have 3 credit card charged off for which one we paid off.
My score is currently at 587. I've been talking to Equifax since February, 08 about this. Everytime I have talked to someone there, they said that they were going to place a trouble ticket on the product. Only to find out the next time I talked with someone from Equifax they found no evidence of a ticket being submitted. I spoke with a gentleman on March 21 and someone else again this week. Only after speaking with the last person whom was a manager did they admit others were having an issue as well with there scoring system.
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after 2 years old stuff falling off does not really help your score dropping from 12 on a 21,000 dollar loan to 7 does not drop you from 80% because you were not more than 80% 12/21 in the first place. getting BAD anything off your credit, reported from today, to 2 years back should help your score quite a bit. I would have to see all of your credit to have any idea how to help you. but i would assume the 3 credit cards are your big hurdle try to pay them off and, re open them, with some kind of high credit limit shows your balance owed is less than 80% of your high credit limit. as far as score problems at equifax. I do not know, other than to try another credit report product somewhere else.
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Hi again, I have 0 balances on 2 of the cards and a $1800 balance on another. Go figure. I would have though that a 25% reduction in my overall balance on my car note would have moved the score up somewhat. I have had a lot of last dates of activity being moved around. I am aware that there is a federal law against that. So the new tactic is to put N/A in that spot.
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sounds good
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Hi I have one question for you. Why would my score drop 5 points when a 7 year old judgement just recently dropped off my credit report? I thought that it would have the opposite effect, maybe 5 points gained.
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the past two years has all the weight7 years is so old it should not affect your score much at all i would assume that something within the past two years changed your score 5 points

I'm implementing all of your suggested methods to improve my credit

I'm implementing all of your suggested methods to improve my credit. (I was recently turned down for a car loan.) My biggest problem is that my credit is young, so that can only be fixed with time. However I did have one question. How does a deferred student loan affect my credit? It appears as pays as agreed on my report, however it also appears in the debt to available credit ratio. Any idea?
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i dont know what your score is now at all three bureaus
or what else is one your report.

but i would guess 10-40 points maybe
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well my credit's in the crap hole to be honest. It's only 10 months old, each one of my cards has a late mark on it (60 days or less, nothing more). I have paid off and cancelled one card that was paid as agreed. I currently have three, $500 limit cards, and after seeing your site I will not be charging them over $400. All three report to my credit report. I have one student loan that is marked as paid as agreed.

Also there was one collections placed on my account, but it was paid, and I'm trying to get it removed. It was a medical bill, that was covered by my health insurance ($56) that I never knew about, so it went to collections. I paid it before I saw your site, so I'm trying to have it removed since it wasn't really my responsibility.

Thanks for all the help. Sadly, my credit score is barely 500.
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the insurance company should be on the hook for that
and the hospital should show, SOME help with a "this not my fault" transgression
i would open the bad closed credit card back up with the same account number
10 months of credit on a credit report does not a credit report make
12 months is rated credit so expect your score to go up if you pay these current accounts on time
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Raise my credit score fast and free

Thank you for having such an informative credit help site!
To let you know a little about me,
I HAD a 612 credit score in September 2006, since then my score to 637 points.
I’m new to the credit card game. I just established my first credit card about 2 years ago. I did very well with it and was able to open 3 more. I fell into a financial situation and used them OVER their limit, and now my credit score has been affected. I’m I the process of getting the limits down to 50%. The second thing that made the score drop was a JUDGMENT that has just been satisfied as of 2 Friday’s ago. In the interim 30 parking Tickets showed up on my report…talk about detrimental!
I wrote the Mayor in my city to let him know that totally ruined my CREDIT! What should I do? Should I apply for another credit card to transfer the balances of the three? None of of my credit card limits are over $300 (thank goodness)!
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got to pay it all off
thats all i know to say
only 300 per credit line?
pay them off.
get and keep 3 12 months plus lines reported to bureaus credit

Credit Card is lowering our limit raising interest rates for being close to our limit

My husband and I have a unique situation regarding a single credit report error that wasn't, to the best of my reading, addressed on your website. Although we have a high amount of debt ($90K), we have an excellent credit score (800+) due to many years of diligent, timely payments.

However, in 2002, we learned of a bad mark on our report (which we feel was in error), and we wrote the attached letter to Equifax, Experian and TransUnion (which explains all the details). My husband swears that this had been taken care of in 2002, but we just received a letter from two credit card companies that due to having approached/reached our credit limit, along with a report recently viewed on our credit report, they are lowering our limit and raising our interest rates.

We just purchased another copy of our credit report and were astonished to see this mark still on our report. We cannot locate any other documentation other than the attached letter, and the company through whom we made the purchase (and who made the billing error) is no longer in business.

The details surrounding our circumstance are fully explained in the letter (the only change is that our personal info has been blocked out).
Since our case is beyond validation and negotiation (and the debt was paid eight years ago), is there any course of action we can now take to remove this mark from our report and convince these two credit-card companies (to whom we've been loyal customers for many years) that the mark was an error and to lower our interest rates?
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you dispute it with the dispute form

if your score is 800 who cares?
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I see your point (in fact, that's what we thought), but I guess two of our credit card companies seem to care about that negative report. They just decreased our limit and raised our APR by 7% - based on 2 things: the fact that we reached our limit, and this negative mark they saw on our credit report.

How can a dispute for a negative report 7-years old be judged in our favor when the reporting company has been out of business for 6 years? And if we send this dispute form to the bureaus, how can we expect different results than the first time we disputed it?
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Also, hubby corrected me on our score - we're at 714 (last night, he told me 800).

Anyway, interested in your thoughts on trying to dispute our situation.
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Credit card company rules, always state, they can raise your rate for going over the limit or being one day late on any payment. AND THEY ALWAYS DO. i know I've done it over and over.
They also state they can raise your rate for any darn reason they can conjure. If you read the print.

about the old stuff.
that doesn't make sense over here.
Dispute form the items is all i know.
if your score is 800 it means NOTHING.
714 is 6 less then Perfect, Can't get any better, top tier, best credit you can get practically.
so

Did you not see on the msn page just a few days ago that BOA was now raising rates for no reason at all right now.
Did you know Delaware is credit card, title loan, pawn shop, friendly. Like Nevada lets you strip and gamble

Should I remove closed credit card accounts from my credit report

I was wondering how I would go about getting closed accounts off my credit report or if it is even necessary? I have about 5 credit cards on my account that I paid in full and closed a few years ago. They show on my credit report as paid in full, closed by consumer.
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Unless they are reported as negative and less than 24 months or more old
it makes no difference

keep new good credit going

Denied credit card for lack of credit. How do I get credit?

I moved here last year March 2007 and been using a credit card as a secondary holder. I tried to apply for a credit card last month, January and was denied for the reason that I haven't been established my credit. I have been trying to call Experian, TransUnion and Equifax, but they are all automated and can't talk to anyone. You might know any number that I can call or you might suggest me on how to build my credit... Like how to apply for a credit card to build my credit... What steps should I do? I thought having a credit card as a secondary holder will establish my credit, only to find out that I just wasted 1 year
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new law on authorized user blanked that. it was called piggbacking. you dont really do anything and get good credit. that was not fair
go here and get a credit card for bad or no credit. most if not all of these credit cards report to bureaus
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Thank you so much for the response! You are truly amazing! I actually went to this website this afternoon. I got it from one of your articles. Only New Millineum Bank offers "no credit credit check required" with 19.50% APR! If this is the only way to build my credit, then I guess I have to take it
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Oh by the way, I forgot to mention that one has to deposit a minimum of $300 with New Millennium and the credit limit will be equal to the balance in the collateral savings account. I hope there is other way to build a credit aside from this set-up
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after one year ask to be cut loose from that arraignment
or
and
go ahead and get another card that does not require that.

stop by a bp oil gas station or exxon and pick up one of thier credit card app forms
apply and hope
if they turn you down call them apply again but send in 300 with your app
charge your gas only for one year and pay more than you charge each month
at the end of one year treat yourself to a gas party ot trip


keep these account open for at least one year to get a rated trade line
here is another get new good credit form i forgot about

you really need 3 rated lines of credit but you dont want to burden yourself or mess it up

My credit score has gone up 40 points since November.

Thanks for all the helpful advice. My credit score has gone up 40 points since November.

Your advice was awesome and very helpful. I have recommended you to many of friends and co-workers.
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credit help / fix 3 in 1 credit report credit cards

keed 24 MR Months reported good credit

rated to no more than 80%,
better if, 30 -10 percent
HICR high credit limit / to BALS balance owed now

get DLA Date of last activity on account that have been 30 60 90 late
MORE THAN 24 months old

3 open credit cards. Should I switch to a 0 percent card?

If I only have 3 open credit cards and one is offering a 0 percent interest. I would like to transfer the balances to one card. Would that cause a significant drop in my credit score? Because then I would only have one open line of credit. Is it best to just keep them separate. I have tried to get the credit card company to lower the interest rate but they will not do so.
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I "hop" credit card interest rates my self.
do it but only use 75% of your total high credit limit
if get a credit limit of 15,000 dollars do not use more that
15,000X .75 = 11250. I have to remember most credit card companies charge a .03 balance transfer fee on each transaction. That's why I say 75% rather than 80% for my credit limit ratio. If I pay the fee up front and I get 0 percent for like 6 months my total monthly obligation goes down because the payment has less interest built in. Many times I can quailify for another card when 6 months run out because my debt to income ratio goes down when I pay mostly on priciple. The main thing is lower my prinicple by paying less interest

On the down side of credit scores I must remember it will take 12 months for my new credit line to get rated.
On the upside my credit card I am giving up is rated too so My score should not be affected to much in most cases where I keep good credit and less than 80 ratios.

Trying to buy a house my husband lost job and credit cards

Hello. I have contacted you in the past. I am in credit card debt...not horribly, but in a bad spot ($3000). I filed bankruptcy in 2005 since then I have gotten credit cards and my husband lost his job. I have 4 of them. I was behind and worked out plans with 2 of them. The other two were horrible. Tribute and Aspen and I should have NEVER even gotten them. They have both closed my accounts and tell me that if I pay a ridiculous amount on them they will reopen them. Should I try to reopen them and how does this fix my credit any? I am trying to buy a house and this can't come at a worse time. What can I do to fix this situation and try to buy a house in the near future (next year or so). My credit score was something like a 450, but there were a lot of bills that I had paid or included in my bankruptcy on my credit report still. I am currently disputing some of these and providing proof of payment. I am working with a community program (Mustard Seed in Akron Ohio) that helps people like me buy homes. However, they aren't the best at getting back with me. Do you have any ideas of programs that can help me buy a house? Help with a down payment? Another question, with the interest rates being so low, should I still try to buy a house or should I scrap the idea? I am renting a house for $905 a month. I am POSITIVE I would pay less if I bought a house. In Ohio $905 is a lot of money for a 3 bedroom house in Cuyahoga Falls. Any help would be GREATLY appreciated. I am simply losing my mind and a lot of sleep.
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if you can
pay and re open the credit cards
after one year you ask them to only report the past 24 months like most revolving debt.
the old bad goes away and the new good raises your score even more.

whenever i hear someone talk about help with a downpayment and borrowing money for something, I am remided of an old finance here pay here philosophy.
No personal investment means it is too easy to walk away from.
So you really have to have some investment or most will not finance you. Maybe sweat equity or rent to own.

maybe you can't buy a house. Most of this is stable income and budget stuff. Until anyone works that out, the credit will be bad.

Captial One credit cards

I just recently got a great low interest rewards card from Capital One. Then I read where you said that they were the worst to have because they only report the balance as the high limit. I’m a member of a credit monitoring group that allows you to look at your score each month. I noticed on my report that they reported my $5000.00 limit and my 1000.00 balance. Have they changed the way they report? Also my credit score drops and raises each month, up and down by about 10 points. Is this normal? I have not been late on a payment for 3 years my scores for each bureau range from 640 to 659. Each month. It says that this is a fair score.
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yes they have changed their practices. i need to get those comments off my website
they change due to customer blowback in a very large way. happened about 6 months ago.
so you are ok