Credit Cards

[pozativelyliving]

I haven't viewed my other reports to see what they show yet but when I get alerts for my Score Watch from myFICO, I keep seeing two of my Captial One accounts (one is Orchard but now listed as Cap 1), each of them is reporting twice. These are seen looking at my Account balance increases. I also noticed this last month but didn't think to much of it but they keep reporting like that.

I have another Cap 1 and it only reports once.

Thoughts?

[jamesdwi]

pull your actual report, I get double alerts for everything that happens to my credit but reports show only one TL for each card. So it looks like a bug in their software. 

[calihlove75]

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pozativelyliving wrote:

I haven't viewed my other reports to see what they show yet but when I get alerts for my Score Watch from myFICO, I keep seeing two of my Captial One accounts (one is Orchard but now listed as Cap 1), each of them is reporting twice. These are seen looking at my Account balance increases. I also noticed this last month but didn't think to much of it but they keep reporting like that.

I have another Cap 1 and it only reports once.

Thoughts?

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Look at your settings. For example, I have mine set to alert me for any balance increase larger than 5% and also whenever an account has an increase greater than a dollar. So if my balance increase reported is greater than dollar and larger than 5%, I get two alerts for the same account.

[tinuviel]

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calihlove75 wrote:

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pozativelyliving wrote:

I haven't viewed my other reports to see what they show yet but when I get alerts for my Score Watch from myFICO, I keep seeing two of my Captial One accounts (one is Orchard but now listed as Cap 1), each of them is reporting twice. These are seen looking at my Account balance increases. I also noticed this last month but didn't think to much of it but they keep reporting like that.

I have another Cap 1 and it only reports once.

Thoughts?

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Look at your settings. For example, I have mine set to alert me for any balance increase larger than 5% and also whenever an account has an increase greater than a dollar. So if my balance increase reported is greater than dollar and larger than 5%, I get two alerts for the same account.

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+1 -- same for me.

[pozativelyliving]

9/18/2012	CAPITAL ONE (XXXXXXXXXXXX8146) New balance: $656
9/18/2012	CAPITAL ONE (XXXXXXXXXXXX8146) New balance: $656

I'll have to check those. That might be the reason.  This is an example of what I am seeing (above)

[pozativelyliving]

Checking those settings I see -

2 of your accounts reported balance increases

You received this alert because this balance which was previously $0 increased to $656. This exceeded your alert limit of $400.

You received this alert because this balance which was previously $0 increased to $656. This exceeded your alert limit of 25%. 

I know that it's two settings but it lists to accounts.

I checked my settings to only receive an alert after my score goes above a certain point. That's now the only one.  This balance increase knocked my score down by 15 points. Big drop for what I would call a relatively small increase. Granted, it's on a $750. limit but still.

[calihlove75]

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pozativelyliving wrote:

Checking those settings I see -

2 of your accounts reported balance increases

You received this alert because this balance which was previously $0 increased to $656. This exceeded your alert limit of $400.

You received this alert because this balance which was previously $0 increased to $656. This exceeded your alert limit of 25%. 

I know that it's two settings but it lists to accounts.

I checked my settings to only receive an alert after my score goes above a certain point. That's now the only one.  This balance increase knocked my score down by 15 points. Big drop for what I would call a relatively small increase. Granted, it's on a $750. limit but still.

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.Will just repost

 

 

 

 

 

 

 

 

 

 

[calihlove75]

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I am telling you it is listing it twice because it fit the criteria of both of the alerts. Happens all the time with me and I know I don't have duplicate accounts. If you want to see for yourself, go on equifax site and pretend to file a dispute and you will have access to your up to date report. Its likely treating the card as maxed out since you are reporting over 87% usage. Although I don't know what Fico considers maxed out.

[pozativelyliving]

Thanks for the info. I can pull one free report to pull here but I don't want to use it yet. I may do what you said just to see what's currently on there. I'm surprized that I lost 15 points with only a small balance increase. 

[atarvuzdar]

Happens to all of us who subscribe to ScoreWatch and have our settings set to alert us based on a % increase as well as a hard dollar increase. Don't sweat it, it's actually only on your report once and your score isn't getting dinged twice when one account balance increases--even if you get two alerts.