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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?
I had the same thing happen years ago, probably back in the mid 80's with JC Penney. I called their credit dept, and they took care of it immediately. I would call them and explain what has occurred on your reports, or take them inside the bank to the loan officer.
Do new duplicate TLs backdating to the time you opened the actual one?
@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.