Your upgrade and refund strongly indicate a real account existed, but they do not prove eight months of bureau reporting—you built U.S. credit history only at the bureau(s) whose reports show the account from the original opening date.

Secured credit cards require a one-time refundable security deposit to open an account. Once you make the minimum deposit within the 35-day window, you can activate your Capital One secured card.

Unlike a prepaid card, a secured card is an actual credit card that reports to the three major credit bureaus—providing the opportunity to build your credit,

Capital One periodically reviews accounts to see whether they’re eligible for an upgrade. If you qualify, you’ll be notified that your card has been upgraded to an unsecured credit card. Capital One may refund your deposit if you upgrade to an unsecured card or pay your balance in full and close the account.

Credit Reports; Closing or Suspending Your Account, pages 4–5

We may report information about your Account to credit bureaus and others. We may close or suspend your Account at any time and for any reason permitted by law, even if you are not in default.

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In the account information section, your credit accounts are displayed one by one. Lenders typically update the information monthly. The information usually includes your payment history, whether an account is current or past due, your balance, and the type of loan or account. Date opened

A credit score is a prediction of your credit behavior, such as how likely you are to pay a loan back on time, based on information from your credit reports. How long you have had your loan accounts open. How much of your available credit you’re using.

In order to receive a valid FICO Score, the credit report must have: At least one account opened for six months or more, and At least one account that has been reported to the credit bureau within the past six months, and No indication of deceased on the credit report (Please note, if you share an account with another person this may affect you if the other account holder is reported deceased). The minimum scoring criteria may be satisfied by a single account or by multiple accounts on a credit file. In certain rare cases, whether a given credit report qualifies for a FICO Score may vary across different FICO Score versions.

§ 1022.136(b)(1)

Enable consumers to request annual file disclosures by any of the following request methods, at the consumers' option: (i) A single, dedicated Web site, (ii) A single, dedicated toll-free telephone number; and (iii) Mail directed to a single address;

§ 1022.123(a)–(b)

The identification information of the consumer including his or her full name (first, middle initial, last, suffix), any other or previously used names, current and/or recent full address (street number and name, apt. no., city, state, and zip code), full nine digits of Social Security number, and/or date of birth. Copies of government issued identification documents, utility bills, and/or other methods of authentication of a person's identity which may include, but would not be limited to, answering questions to which only the consumer might be expected to know the answer.

Fixing an error generally means contacting both the credit reporting company and the company that provided the information. You should explain in writing what you think is wrong, why, and include copies of documents that support your dispute. Furnishers generally must investigate and respond to your dispute within 30 days of when they receive the dispute.