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@SnackTrader wrote:
It is going to depend on how an issuer reports it, but what I have seen many times in the past is a new tradeline with the same date as the old tradeline. This could help or hurt depending on how old the card is and how long your history is already. The old tradeline is usually closed and reported as "Closed By Issuer - Card Lost or Stolen".
Only way to know for sure is to pull a report (annualcreditreport.com) and look at what it says.
Yeah it does report as lost/stolen, but for number of accounts both are counted individually, not as 1 combined.
@Tuxedo77 wrote:
@SnackTrader wrote:
It is going to depend on how an issuer reports it, but what I have seen many times in the past is a new tradeline with the same date as the old tradeline. This could help or hurt depending on how old the card is and how long your history is already. The old tradeline is usually closed and reported as "Closed By Issuer - Card Lost or Stolen".
Only way to know for sure is to pull a report (annualcreditreport.com) and look at what it says.Yeah it does report as lost/stolen, but for number of accounts both are counted individually, not as 1 combined.
As SnackTrader already stated, this could help or hurt your AAoA, depending on the age of the tradeline.
@DaveSignal wrote:
@Tuxedo77 wrote:
@SnackTrader wrote:
It is going to depend on how an issuer reports it, but what I have seen many times in the past is a new tradeline with the same date as the old tradeline. This could help or hurt depending on how old the card is and how long your history is already. The old tradeline is usually closed and reported as "Closed By Issuer - Card Lost or Stolen".
Only way to know for sure is to pull a report (annualcreditreport.com) and look at what it says.Yeah it does report as lost/stolen, but for number of accounts both are counted individually, not as 1 combined.
As SnackTrader already stated, this could help or hurt your AAoA, depending on the age of the tradeline.
It's a new TL so I want it removed. So now that we've established that it will hurt, how do I get it removed? Dispute?