Credit Card Center Advertiser Disclosure

New Visitor
Posts: 1
Registered: ‎06-29-2009
0 Kudos

Chase product change causes multiple TLs

Hi there,


A newbie with a credit report question for the experts... 


I recently product changed my old WaMu Mastercard to a new Chase Freedom Visa. They sent the card, but somehow the switch didn't 'stick', and I was reissued a plain Chase Mastercard. I called in to fix this, and now have a second (and final) Freedom Visa.


The problem is that my last three statements have reported three different cards (the original MC, the replacement MC, and the second Visa), and my credit reports show three separate tradelines.


All three cards share the same history, but the two Mastercards (which are obviously no longer in use), still report the balances that showed on their statements. Only the Visa is updated with current information.


Is this damaging me? EQ seems to think I have balances that don't exist. Should I (and how can I) have Chase remove the older cards from my report?



Valued Contributor
Posts: 1,291
Registered: ‎02-26-2008
0 Kudos

Re: Chase product change causes multiple TLs

I had a similar problem. I sent them a message on the website from the account that is no longer valid:

"This account is still being reported to my credit reports, with a balance. However, this card has been changed into the account ending with XXXX. This account hurts my Average Age of Accounts, number of accounts with balances, and overall reported revolving debt. Please delete this account from my credit reports."

They said:

"Thank you for your recent inquiry. It is important to us
that we promptly address your concerns regarding your
credit bureau report.

We have requested that the three (3) major credit bureaus,
Equifax, Experian (TRW), and Trans Union remove
information for account ending in XXXX from your credit

Until the credit bureaus update their records, during the
interim, if you need to provide verification that this
deletion has been requested, please provide the
appropriate party with a copy of this email.

If you have any further questions, please reply using the
Secure Message Center."

The account poofed from my CRs within a couple of days.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.