Ok,
Not sure if this message belongs here, if it doesn't I deeply apologize. Anyways, here's what I got going on I pulled my credit report and it shows I have an OPEN BankOne credit card. Here's my concern, the credit limit I have one that "credit card" is 3k but the last recorded activity on the account is from 4/1/1997 LONG time ago. Well, the account is helping me with my available credit considering that it's been open since 1997!!!
I am concerned that if I dispute this account it could lead to the removal of it therefore; hurting me big time on my AAoA. I know by doing some research that BANKONE was purchased by Chase, I could have read it wrong, someone please help me on that info, so I was wondering if so, should I go forward and see if I have potentially a credit card account with Chase??? I currently bank with them.. but I know these things with banks buying other banks could be very confusing. I used to have lots of credit cards before when my credit was excellent but I don't remember having a credit card from them. As I mentioned before, no activity since April 1 1997 (no Aprils fools jokes) but after I updated my credit report with some info being disputed this one is still there.. Help guys!
Thank you!! (should I investigate or just leave it alone) it's not hurting me, it's actually helping me.
@Mortalito77 wrote:
Ok,
Not sure if this message belongs here, if it doesn't I deeply apologize. Anyways, here's what I got going on I pulled my credit report and it shows I have an OPEN BankOne credit card. Here's my concern, the credit limit I have one that "credit card" is 3k but the last recorded activity on the account is from 4/1/1997 LONG time ago. Well, the account is helping me with my available credit considering that it's been open since 1997!!!
I am concerned that if I dispute this account it could lead to the removal of it therefore; hurting me big time on my AAoA. I know by doing some research that BANKONE was purchased by Chase, I could have read it wrong, someone please help me on that info, so I was wondering if so, should I go forward and see if I have potentially a credit card account with Chase??? I currently bank with them.. but I know these things with banks buying other banks could be very confusing. I used to have lots of credit cards before when my credit was excellent but I don't remember having a credit card from them. As I mentioned before, no activity since April 1 1997 (no Aprils fools jokes) but after I updated my credit report with some info being disputed this one is still there.. Help guys!
Thank you!! (should I investigate or just leave it alone) it's not hurting me, it's actually helping me.
Personally I would take it off because it isn't yours and down the line the person who owns it can just stop paying for it and then it could hurt you.
Bank one was purchased by chase I believe in 2005 or 2006. I would call to see if it's in fact your account.
Thank you everyone for all the helpful comments. I will take them all into consideration. I honestly wish it was an account that I could give movement to update C.R
@longtimelurker wrote:
@Closingracer99 wrote:
@Mortalito77 wrote:
Ok,
Not sure if this message belongs here, if it doesn't I deeply apologize. Anyways, here's what I got going on I pulled my credit report and it shows I have an OPEN BankOne credit card. Here's my concern, the credit limit I have one that "credit card" is 3k but the last recorded activity on the account is from 4/1/1997 LONG time ago. Well, the account is helping me with my available credit considering that it's been open since 1997!!!
I am concerned that if I dispute this account it could lead to the removal of it therefore; hurting me big time on my AAoA. I know by doing some research that BANKONE was purchased by Chase, I could have read it wrong, someone please help me on that info, so I was wondering if so, should I go forward and see if I have potentially a credit card account with Chase??? I currently bank with them.. but I know these things with banks buying other banks could be very confusing. I used to have lots of credit cards before when my credit was excellent but I don't remember having a credit card from them. As I mentioned before, no activity since April 1 1997 (no Aprils fools jokes) but after I updated my credit report with some info being disputed this one is still there.. Help guys!
Thank you!! (should I investigate or just leave it alone) it's not hurting me, it's actually helping me.
Personally I would take it off because it isn't yours and down the line the person who owns it can just stop paying for it and then it could hurt you.
Since the last recorded activity was 1997, that's probably not a big concern, And the account really could be the OPs.
I was assuming the Account isn't his. If it is his then he has a new TL ( New to him) that he didn't know about. If not even though lightly could happen it still can ... More of a pain to take it off now vs later imo. Isn't worth the AAoA hit