Credit Cards

[anevilpetingzoo]

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.

[haulingthescoreup]

Is it closed, so that no one can run up a balance on it?

If it's closed, then I wouldn't touch it. I wish the credit report fairies would sprinkle something like that on my reports.

[anevilpetingzoo]

It isn't closed.  Thats the strange thing.  It has a $300 limit and has never been used.

[PayingTheBills]

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.

Message Edited by PayingTheBills on 03-12-2009 07:26 PM

[anevilpetingzoo]

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.

[smallfry]

Is it on all 3 credit reports? If it is on TU the entire account number might be present on a hard copy.

[anevilpetingzoo]

I've been too cheap to get all 3 reports.

...so a TU report should show the number?  Interesting...

[llecs]

Go to annualcreditreport.com and you can get all 3 for free.