03-12-2009 11:23 AM
Upon checking my credit, I found a Target credit account from the year 2000. I don't remember applying for it, and it shows no balance, good standing, and no usage.
I called Target, and they claim that they have no account under my SS#.
Here is my question: should I dispute this card? It is by far the oldest account I have, and is in good standing.
03-12-2009 11:48 AM
03-12-2009 04:25 PM - edited 03-12-2009 04:26 PM
Does your CR give an account number for the card? If so, #1 that is scary **bleep**. #2 Why not call them up, tell them you lost "your" card, and ask them to send you a new one?
That would cancel the old card at least and you wouldn't risk a delinquency or worse.
03-12-2009 04:32 PM
My CR doesn't show a number. I gave them a call and they wanted the account number. I told them I don't have it and they asked for my SS#. After giving them that, they said they have no account under that SS#....
Its all so very strange.
If it was a fraud issue, I would think that I would have had problems around 2001 or so... but never had ANY issues.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.