On all three of my CRs, I have three TLs for the exact same account but with a different limit reported on each. The limits for these duplicate accounts (my CU Visa Gold CC) correspond to the auto CLIs I have received over the years on this card. It seems then that my CU is weird and reports a new TL each time they give me a CLI on the CC I have with them. I have never asked for a CLI myself because they do a hard inquiry, and I only remember receiving two auto CLIs from them, which corresponds with the two duplicated accounts. Has anyone else had experience with this before?
Starting Scores (lender pull 3/27/10): 759 (EQ), 752 (TU), 749 (EX)
@Anonymous wrote:Do new duplicate TLs backdating to the time you opened the actual one?
I didn't think to check this before, but yes they do all show the same opening date of 11/2005. Even though they are duplicates, I haven't disputed them because they add 7 months to my AAoA. The EQ CR I pulled from myFICO lists my oldest account age as 6 years and my AAoA as 3 years, so 7 months is quite a lot in my case. I wonder if I asked my CU for a CLI and was approved, would it show a new duplicate TL with the CLI dating back to 11/2005? Hmm...
Can I join your CU? 
ETA...on second thought if they are generous on CLIs, that would push me closer to that annoying red flag for number of accounts reporting.