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Please Adise - Unexpected Credit Sesame Update

I just got a notifcation from Creditsesame that 2 new accounts reported on Experian: both Amex. The problem? I didn't apply for any Amex accounts.

 

How should I start with checking this out? Call Experian? Call Amex?

 

Any advice is appreciated. Thank you.



Amex BCE: $6000 - Bank of America Cash Rewards: $5000 - Bank of America Better Balance: $1000 - Barclaycard Rewards: $3350 - Capital One Quicksilver: $5000 - Chase Freedom: $1700 - Discover IT: $1200 - Walmart Store: $800
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Re: Please Adise - Unexpected Credit Sesame Update


Jasir wrote:

I just got a notifcation from Creditsesame that 2 new accounts reported on Experian: both Amex. The problem? I didn't apply for any Amex accounts.

 

How should I start with checking this out? Call Experian? Call Amex?

 

Any advice is appreciated. Thank you.


Pull EX report ASAP

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Established Contributor
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Registered: ‎12-12-2011
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Re: Please Adise - Unexpected Credit Sesame Update


Jasir wrote:

I just got a notifcation from Creditsesame that 2 new accounts reported on Experian: both Amex. The problem? I didn't apply for any Amex accounts.

 

How should I start with checking this out? Call Experian? Call Amex?

 

Any advice is appreciated. Thank you.


It happening to me too, I checked and everything was fine.

Walmart / SYNCB - 4,500/12,000 | JCP MasterCard / SYNCB - 5,500 | Dillard's / Wells Fargo - 5,000 | Amazon / SYNCB - 1,500 | Chevron / SYNCB - 1,000 | Belk / SYNCB - 3,000 | Aeromexico Visa / US Bank - 300 | Capital One - 500/3,700 | Bank Of America 123 Cash Back - 12,000 | Wells Fargo - 300 |AMEX ZYNC - NPSL | AMEX Hilton HHonours - 2,000 | USAA AMEX - 250 | PenFed Platinum Rewards Visa Signature - 18,400 | PenFed Travel Rewards AMEX - 5,000 | Discover IT - 8,800 | Wyndham / Barclays - $2,500.
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Re: Please Adise - Unexpected Credit Sesame Update

i just thought of this: I asked a friend to add me as an AU to his Amex on June 7th. He said he chose to add me to a different card instead, but told me after he added me the was maxed out. I told him to remove me then because I feared a mazed out card (didn't think it was Amex) would do more harm than good. I presume this is the reporting before it was able to be removed (unless he didn't remove me). I will check into this on his end.

 

If he didn't remove me should I keep the near-maxed out Amex on my report as an AU? Think the prestige of the Amex could assist me a few months down the line?



Amex BCE: $6000 - Bank of America Cash Rewards: $5000 - Bank of America Better Balance: $1000 - Barclaycard Rewards: $3350 - Capital One Quicksilver: $5000 - Chase Freedom: $1700 - Discover IT: $1200 - Walmart Store: $800
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Re: Please Adise - Unexpected Credit Sesame Update

[ Edited ]

Jasir wrote:

i just thought of this: I asked a friend to add me as an AU to his Amex on June 7th. He said he chose to add me to a different card instead, but told me after he added me the was maxed out. I told him to remove me then because I feared a mazed out card (didn't think it was Amex) would do more harm than good. I presume this is the reporting before it was able to be removed (unless he didn't remove me). I will check into this on his end.

 

If he didn't remove me should I keep the near-maxed out Amex on my report as an AU? Think the prestige of the Amex could assist me a few months down the line?


Answer Oh H - l l

NO

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


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Re: Please Adise - Unexpected Credit Sesame Update


myjourney wrote:

 

If he didn't remove me should I keep the near-maxed out Amex on my report as an AU? Think the prestige of the Amex could assist me a few months down the line?


Answer Oh H - l l

NO


Lol. I just checked my email history; he said he added me to UBT since his Amex was a charge card. The UBT he said was at about 90% UTL on a $1200 CL I believe. I remember looking up UBT and they seem to be small bank he may have had for a long time. He's a secretive bugger and not very clear when he explains his credit finances!



Amex BCE: $6000 - Bank of America Cash Rewards: $5000 - Bank of America Better Balance: $1000 - Barclaycard Rewards: $3350 - Capital One Quicksilver: $5000 - Chase Freedom: $1700 - Discover IT: $1200 - Walmart Store: $800
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Re: Please Adise - Unexpected Credit Sesame Update


Jasir wrote:

myjourney wrote:

 

If he didn't remove me should I keep the near-maxed out Amex on my report as an AU? Think the prestige of the Amex could assist me a few months down the line?


Answer Oh H - l l

NO


Lol. I just checked my email history; he said he added me to UBT since his Amex was a charge card. The UBT he said was at about 90% UTL on a $1200 CL I believe. I remember looking up UBT and they seem to be small bank he may have had for a long time. He's a secretive bugger and not very clear when he explains his credit finances!


Lol

Maxed out cards do you no good in fact hurt scores ...sorry but you know me (truth):smileysad:

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


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Re: Please Adise - Unexpected Credit Sesame Update

Thanks for the advice & reminder. I already was trying to figure a wau to salvage this blunder, lol! Can I call Experian and claim a dispute on the Amex accounts and then be allowed to view the credit report free that way?



Amex BCE: $6000 - Bank of America Cash Rewards: $5000 - Bank of America Better Balance: $1000 - Barclaycard Rewards: $3350 - Capital One Quicksilver: $5000 - Chase Freedom: $1700 - Discover IT: $1200 - Walmart Store: $800
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Re: Please Adise - Unexpected Credit Sesame Update

If u havent gotten your free annual report go to annualreport.com i believe is the link. Then u can dispute it. Or just csll the bank and remove yourself as au...or je might have to do it homself since hes the main account holder...gl!


GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
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Re: Please Adise - Unexpected Credit Sesame Update

Sorry for the typos...damn iphone and fat fingers...lol


GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---

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