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Frequent Contributor
writemikep
Posts: 277
Registered: ‎10-21-2008
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Reopened Macy's account still showing 'Closed' by TU in TC 3-in-1 report

[ Edited ]

My 3-in-1 credit report from TC shows my Macy's account as 'Closed' (because it has a Date Closed associated with it).  I did close it back in 2008, but re-opened last year, so it's an open, active account now.  The other two CRAs are showing this account as 'Open' in my 3-in-1 report.

 

I disputed the 'Closed' status with TU, but they wrote back that they had verified it was open, even tho the 'Date Closed' is still on my report.  Should I dispute again, or just ignore the 'closed' status on my 3-in-1 report?

 

Here's the TL from my TU credit report:

 

Macy's TL on TU

 

 

 

 And here is the TC 3-in-1 report line for this account:

 

Message Edited by writemikep on 07-21-2009 03:41 PM
Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009
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Re: Reopened Macy's account still showing 'Closed' by TU in TC 3-in-1 report

I would dispute this again. Tell that while they, by their own admission, admit they have verified the account is open they are still reporting it as closed. It doesn't make a huge difference (for you), but there is no reason for you to leave a $1,700 CL on the table by allowing it to report wrong. They will get it right sooner or later, but not unless you press them on it.
Established Member
Posts: 122
Registered: ‎04-27-2007
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Re: Reopened Macy's account still showing 'Closed' by TU in TC 3-in-1 report

Macy's does not report to all agencies.  If you have no flaws on your payments, I would not worry about it.  It won't improve your fico score either way.
Frequent Contributor
writemikep
Posts: 277
Registered: ‎10-21-2008
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Re: Reopened Macy's account still showing 'Closed' by TU in TC 3-in-1 report

Macy's is reporting to all three right now, it's just TU (or the 3-in-1 TC report?) that seems confused whether the account is open or closed.
Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009
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Re: Reopened Macy's account still showing 'Closed' by TU in TC 3-in-1 report


dee wrote:
Macy's does not report to all agencies.  If you have no flaws on your payments, I would not worry about it.  It won't improve your fico score either way.

 

It might improve someone else's scores were they in this position. It is not going to have much effect on OP's. However, there is no excuse for the TL not to be reported correctly.

 

 

FYI: 

  

Macy's reports to: EQ, EX, TU

 

Macy's Visa reports to EQ, EX

Established Member
Posts: 122
Registered: ‎04-27-2007
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Re: Reopened Macy's account still showing 'Closed' by TU in TC 3-in-1 report

I have a regular revolving Macy's cc and they do not always report to each one every month.  Not sure why some months they do and some not...

 

One of my relatives has a high mortgage and they say their mortgage company does not report to anyone!  not sure how that can happen, but they say their mortgage has never showed up on any agencies reports. Wonder if that helps or hurts???

Senior Contributor
smallfry
Posts: 4,831
Registered: ‎04-20-2007
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Re: Reopened Macy's account still showing 'Closed' by TU in TC 3-in-1 report


dee wrote:

I have a regular revolving Macy's cc and they do not always report to each one every month.  Not sure why some months they do and some not...

 

One of my relatives has a high mortgage and they say their mortgage company does not report to anyone!  not sure how that can happen, but they say their mortgage has never showed up on any agencies reports. Wonder if that helps or hurts???


That hurts. OP I would check your "real" reports before assuming the card is still reporting as closed.

Frequent Contributor
writemikep
Posts: 277
Registered: ‎10-21-2008
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Re: Reopened Macy's account still showing 'Closed' by TU in TC 3-in-1 report

[ Edited ]
smallfry, that's why I disputed thru TU (and showed the actual TL in my original post).  I think the 3-in-1 TrueCredit report figures the acct must be closed if there is a 'Date Closed' entry in the TL.  TU says the account is open, but didn't remove the 'Date Closed' from the TL.  I can ignore it, as long as it won't neg impact me. 
Message Edited by writemikep on 07-21-2009 03:22 PM
Established Member
Posts: 122
Registered: ‎04-27-2007
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Re: Reopened Macy's account still showing 'Closed' by TU in TC 3-in-1 report

I thought you could no longer get all 3, just two?  Does that mean one went out of business?
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writemikep
Posts: 277
Registered: ‎10-21-2008
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Re: Reopened Macy's account still showing 'Closed' by TU in TC 3-in-1 report

[ Edited ]
You can't purchase your EX FICO score anymore.  You can still get credit reports from all three CRAs.
Message Edited by writemikep on 07-21-2009 03:43 PM

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