No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I just bought a report from myfico and my oldest account is gone! I was a au on my mom's Chase BP opened in 1985 and her Chase Freedom. Both accounts are no longer showing on my equifax credit report. Any suggestions??
Did you get romoved as AU?
Not as far as I know. My mom hasn't had me removed.
I just got off the phone with equifax and my mom spoke to chase....of course they're pointing fingers at each other. Chase said I was still showing as a AU and said everything was updated on the 19th. Equifax is saying Chase did not update the accounts. But it's not about the accounts being updated, they're not showing at all. I was added back in Oct of last year and they've been showng since then, and now....nothing.
Equifax is usually the most difficult in getting authorised users to report. This doesn't surprise me.
@LS2982 wrote:
Your mom will have to be the one to handle it with Chase. Good luck!
I've spoken to Chase and it is definitely a *CF* by Equifax. They're still showing on Transunion and Experian. Somehow the two accounts are gone without a trace. I spoke to a Chase Credit Bureau specialist and she said its like the two accounts never existed on Equifax, no credit history showing at all. She said she is unable to restore it because they never had it deleted. And of course Equifax is claiming they had nothing to do with it, it must be Chase. My oldest account GONE, 32 yrs of credit history FREAKIN' VANISHED!! And there's nothing I can do. It's scary how something like this can happen without any explanation and no solution. No one's credit is safe.
Wow..hope you can get this fixed. Unfortunately you really can't force them to do anything. The law states that they don't have to report a tradeline, only that it is accurate if they do...
You know they don't actually have to report AU's either. Since you are not personally responsible for the account then there is no legal right to do so. If the account is 32 years old, in some ways it is not benefitting you much anyway. When lenders notice the account is older than when you became legal age they discount it as it being yours anyway. For example if an 18 year old applies for a card and they have an account reporting that is 20 years old then the credit card company knows that it is not their account. Even if the 18 reported an account 10 years old the company would know that that at 8 no one would have opened an account for them, well no one except BMG music. Yeah, it does slip by for some of the companies that don't check the age difference to the length of account, but with things the way they are now a days, they check that a bit more. Yeah I know it is harder for them to determine that if the account is only say 5 years old and you are 25. Some companies simply don't report AU's anymore anyhow.
Sorry that you lost it and you might not get it back. It could have simply been that they simply decided no longer to report AU's. Your in good standing now with what you have so be patient. Standing on your own right now might be the best thing anyway. It is a truly more ethical approach at this point isn't it?