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Regular Contributor
Posts: 237
Registered: ‎07-13-2012
0

Cap 1 Accounts Keeps Reporting Twice

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?

EX 638 (Lender 9/1) TA 650(Walmart 9/1) EQ 655 (FICO - 9/17)
Goal - 700 Club in '13!!!

My Wallet - Cap 1 - $300. Cap 1 - $750. Orchard - $950.
New as of 8/29 - Target - $3000. Barclay's - $2000. Merrick - $1000. Walmart $600. And as of 9/22 - JCP $200.
Valued Contributor
Posts: 2,311
Registered: ‎09-16-2011
0

Re: Cap 1 Accounts Keeps Reporting Twice

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. 

 

 

Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak/Freeom 4.6k, FNBO DISC 20.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 12k Sally Mae5.5k Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 11k and a nice stack of store cards.
Last APP/HP 4/22/2015
Established Contributor
Posts: 803
Registered: ‎05-16-2012
0

Re: Cap 1 Accounts Keeps Reporting Twice


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?


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.

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
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Re: Cap 1 Accounts Keeps Reporting Twice


calihlove75 wrote:

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?


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.


 

+1 -- same for me.

 


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Regular Contributor
Posts: 237
Registered: ‎07-13-2012
0

Re: Cap 1 Accounts Keeps Reporting Twice


 
CAPITAL ONE
(XXXXXXXXXXXX8146)
New balance: $656
 

 
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)

EX 638 (Lender 9/1) TA 650(Walmart 9/1) EQ 655 (FICO - 9/17)
Goal - 700 Club in '13!!!

My Wallet - Cap 1 - $300. Cap 1 - $750. Orchard - $950.
New as of 8/29 - Target - $3000. Barclay's - $2000. Merrick - $1000. Walmart $600. And as of 9/22 - JCP $200.
Regular Contributor
Posts: 237
Registered: ‎07-13-2012
0

Re: Cap 1 Accounts Keeps Reporting Twice

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.
EX 638 (Lender 9/1) TA 650(Walmart 9/1) EQ 655 (FICO - 9/17)
Goal - 700 Club in '13!!!

My Wallet - Cap 1 - $300. Cap 1 - $750. Orchard - $950.
New as of 8/29 - Target - $3000. Barclay's - $2000. Merrick - $1000. Walmart $600. And as of 9/22 - JCP $200.
Established Contributor
Posts: 803
Registered: ‎05-16-2012
0

Re: Cap 1 Accounts Keeps Reporting Twice

[ Edited ]

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.

.Will just repost
 
 
 
 
 
 
 
 
 
 

 

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Established Contributor
Posts: 803
Registered: ‎05-16-2012
0

Re: Cap 1 Accounts Keeps Reporting Twice


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.
100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Regular Contributor
Posts: 237
Registered: ‎07-13-2012
0

Re: Cap 1 Accounts Keeps Reporting Twice

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. 

EX 638 (Lender 9/1) TA 650(Walmart 9/1) EQ 655 (FICO - 9/17)
Goal - 700 Club in '13!!!

My Wallet - Cap 1 - $300. Cap 1 - $750. Orchard - $950.
New as of 8/29 - Target - $3000. Barclay's - $2000. Merrick - $1000. Walmart $600. And as of 9/22 - JCP $200.
Frequent Contributor
Posts: 379
Registered: ‎01-20-2012
0

Re: Cap 1 Accounts Keeps Reporting Twice

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. Smiley Happy

Current: EQ 673 September2013 / TU 696 September2013 (Walmart)
Start: EQ 584 Feb2012 / TU 629 July2012

Wallet: Citi Double Cash $15,000 / Barclaycard Rewards $8,900 / BofA Cash Rewards Visa Sig $7,000 / eBay MC $4,500 / CapOne NHRC $2,500 / CapOne Platinum #1 $3,000 / CapOne Platinum #2 $1,950 / Chase Freedom $1,500 / Discover It $1,500 / Amex Zync $500 Autopay / Lowe's $8,500 / JCP $4,800 / Walmart $4,600 / Amazon $4,100 /

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