Reply
Contributor
queen_britt2003
Posts: 154
Registered: ‎12-02-2012
0

Lane Bryant Card

Hello,


In 2005, I opened a Lane Bryant account.  I applied for the card because of the discount offered when shopping.  I never used the card.  Finally, in 2007 I closed the card since there was no activity.  It's now showing as a negative account on my reports.  Is this accurate?  There's no payment history, lates or anything.  Can this type of account be removed before 7 years?

Starting Scores (2012) - 545-600
Current Scores(3.10.14) - EQ 619 (12.16.13), TU 647 (FAKO - CK), EX 655 (FAKO - CS)
Goal Score 700+ (all CRAs)

What's in My Wallet: BOA Cash Rewards 500 CL, Walmart Store Card CL 1100, Discover IT Card CL 1200, Tires Plus Card 1200, Discover Card (AU) CL 4000
(Gardening as of 3/13/14)

Valued Contributor
daybreakgonesXe
Posts: 1,854
Registered: ‎11-17-2012
0

Re: Lane Bryant Card


queen_britt2003 wrote:

Hello,


In 2005, I opened a Lane Bryant account.  I applied for the card because of the discount offered when shopping.  I never used the card.  Finally, in 2007 I closed the card since there was no activity.  It's now showing as a negative account on my reports.  Is this accurate?  There's no payment history, lates or anything.  Can this type of account be removed before 7 years?


That's very strange that it's being listed as a negative account, considering you had no bads with it. I would look further into it and see if they give you a reason. Did you maybe close the account when there was still a balance on it and never paid it? Could be that. Otherwise I'm stuck as to why they would list it as negative.

 

It can definitely be removed before 7 years if there's actually no negative activity. Look into your report, see if it lists the negative information. If not, call the credit company and ask what was wrong with the account. If nothing was wrong, you can definitely dispute the information!

 

Best of luck!

Capital One Quicksilver World Mastercard $10k | JCPenney Platinum $7.5k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $25k | Discover IT $9.5k | SavingStar American Express $14.8k

EQ FICO 708 TU FICO 747 Credit Karma (TU) 771 Transrisk 783/990 Credit Sesame (EX) 754 Credit.com (EX) 753 VantageScore 3.0 712
Contributor
queen_britt2003
Posts: 154
Registered: ‎12-02-2012
0

Re: Lane Bryant Card

I never used the account.  Never charged anything to it.  The balance was always 0.  I only applied so I could get the 15% discount they were offering in store.

Starting Scores (2012) - 545-600
Current Scores(3.10.14) - EQ 619 (12.16.13), TU 647 (FAKO - CK), EX 655 (FAKO - CS)
Goal Score 700+ (all CRAs)

What's in My Wallet: BOA Cash Rewards 500 CL, Walmart Store Card CL 1100, Discover IT Card CL 1200, Tires Plus Card 1200, Discover Card (AU) CL 4000
(Gardening as of 3/13/14)

Valued Contributor
daybreakgonesXe
Posts: 1,854
Registered: ‎11-17-2012
0

Re: Lane Bryant Card


queen_britt2003 wrote:

I never used the account.  Never charged anything to it.  The balance was always 0.  I only applied so I could get the 15% discount they were offering in store.


Weird...definitely look into it. It's probably just an error.

Capital One Quicksilver World Mastercard $10k | JCPenney Platinum $7.5k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $25k | Discover IT $9.5k | SavingStar American Express $14.8k

EQ FICO 708 TU FICO 747 Credit Karma (TU) 771 Transrisk 783/990 Credit Sesame (EX) 754 Credit.com (EX) 753 VantageScore 3.0 712
Community Leader
Senior Contributor
laz98
Posts: 4,334
Registered: ‎09-06-2008
0

Re: Lane Bryant Card

That's very strange.  Does it have any comments attached as to why it is negative?  It shouldn't be.

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 716. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Senior Contributor
BearsAndTurtlesRtheBest
Posts: 3,552
Registered: ‎10-02-2012
0

Re: Lane Bryant Card

Hmm i say dispute it if you dont agree with information on your credit report. Maybe it was a mistake? DISPUTE IT!! :smileyhappy:

$1,000$600
EX FICO---, EQ FICO---, TU FICO 603, Gardening Since 10-05-14
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Lane Bryant Card

+1


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}