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Contributor
Posts: 159
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 - FAKO CK (11.22.15) - TU 735, EQ 729
Goal Score 700+ (all CRAs)

What's in My Wallet: BOA Cash Rewards 2500 CL, Walmart MasterCard 6000, Discover IT Card CL 1600, Tires Plus Card 1200, Discover Card (AU) CL 4000
(Gardening as of 3/13/14)

Valued Contributor
Posts: 1,961
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 WMC $20k | JCPenney Platinum $10k | Shell Drive for Five $800 | Chase Freedom VS $9.8k | TD Bank Easy Rewards VS $5k | Chase Sapphire VS $10k | American Express Blue Sky $13.7k | Discover IT $15k | SavingStar American Express $14.8k | American Express BCE $11.3k | Macy's American Express $7.2k | Capital One BuyPower WEMC $7.5k

FICOS: EX 767 EQ 717 TU 758 VantageScore 3.0: EX 750 EQ 754 TU 756
Contributor
Posts: 159
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 - FAKO CK (11.22.15) - TU 735, EQ 729
Goal Score 700+ (all CRAs)

What's in My Wallet: BOA Cash Rewards 2500 CL, Walmart MasterCard 6000, Discover IT Card CL 1600, Tires Plus Card 1200, Discover Card (AU) CL 4000
(Gardening as of 3/13/14)

Valued Contributor
Posts: 1,961
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 WMC $20k | JCPenney Platinum $10k | Shell Drive for Five $800 | Chase Freedom VS $9.8k | TD Bank Easy Rewards VS $5k | Chase Sapphire VS $10k | American Express Blue Sky $13.7k | Discover IT $15k | SavingStar American Express $14.8k | American Express BCE $11.3k | Macy's American Express $7.2k | Capital One BuyPower WEMC $7.5k

FICOS: EX 767 EQ 717 TU 758 VantageScore 3.0: EX 750 EQ 754 TU 756
Community Leader
Senior Contributor
Posts: 4,336
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: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Senior Contributor
Posts: 4,007
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!! Smiley Happy


Chapter 7 Bankruptcy Discharged on --/--/-- (Awaiting Discharge)
Current Credit Scores EX FICO 483, EQ FICO 481, TU FICO 449
Gardening Since 01/01/16
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Lane Bryant Card

+1

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