cancel
Showing results for 
Search instead for 
Did you mean: 

What just happened?.....

tag
Azumi1
Regular Contributor

What just happened?.....

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??

From 566 in 8/2012 to..

EQ 704 /TU 690 / EX 730

Discover IT 6000, Amex BCE 10000, FNBO Amex 3500, Cap 1 platinum 2000, Walmart Discover 5000, Orchard Bank platinum 3000, Best Buy 5000, Merrick Bank 1600, Target Visa 700
Message 1 of 14
13 REPLIES 13
lg8302ch
Senior Contributor

Re: What just happened?.....

Did you get romoved as AU?

Message 2 of 14
Azumi1
Regular Contributor

Re: What just happened?.....

Not as far as I know. My mom hasn't had me removed. 

From 566 in 8/2012 to..

EQ 704 /TU 690 / EX 730

Discover IT 6000, Amex BCE 10000, FNBO Amex 3500, Cap 1 platinum 2000, Walmart Discover 5000, Orchard Bank platinum 3000, Best Buy 5000, Merrick Bank 1600, Target Visa 700
Message 3 of 14
Azumi1
Regular Contributor

Re: What just happened?.....

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.       

From 566 in 8/2012 to..

EQ 704 /TU 690 / EX 730

Discover IT 6000, Amex BCE 10000, FNBO Amex 3500, Cap 1 platinum 2000, Walmart Discover 5000, Orchard Bank platinum 3000, Best Buy 5000, Merrick Bank 1600, Target Visa 700
Message 4 of 14
LS2982
Mega Contributor

Re: What just happened?.....

Your mom will have to be the one to handle it with Chase. Good luck! Smiley Happy



EQ FICO 548 3/3/16
Message 5 of 14
navigatethis12
Valued Contributor

Re: What just happened?.....

Equifax is usually the most difficult in getting authorised users to report. This doesn't surprise me.

Message 6 of 14
Azumi1
Regular Contributor

Re: What just happened?.....


@LS2982 wrote:
Your mom will have to be the one to handle it with Chase. Good luck! Smiley Happy

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.       

From 566 in 8/2012 to..

EQ 704 /TU 690 / EX 730

Discover IT 6000, Amex BCE 10000, FNBO Amex 3500, Cap 1 platinum 2000, Walmart Discover 5000, Orchard Bank platinum 3000, Best Buy 5000, Merrick Bank 1600, Target Visa 700
Message 7 of 14
Azumi1
Regular Contributor

Re: What just happened?.....

navigatethis12 wrote:

Equifax is usually the most difficult in getting authorised users to report. This doesn't surprise me.

I was added last October and it was showing up until at least last week when I checked Equifax. There was a glitch in their system somewhere.
From 566 in 8/2012 to..

EQ 704 /TU 690 / EX 730

Discover IT 6000, Amex BCE 10000, FNBO Amex 3500, Cap 1 platinum 2000, Walmart Discover 5000, Orchard Bank platinum 3000, Best Buy 5000, Merrick Bank 1600, Target Visa 700
Message 8 of 14
JonStur
Established Contributor

Re: What just happened?.....

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...


Starting Score: TU 595 EX 600 EQ 585
Current Score: TU 820 EX 825 EQ 812
Goal Score: 800 Club (Mission Accomplished)

Amex Platinum, Amex BCP $17.5K, 5/3 Sig $10K, Capital One Quicksilver 15K, Walmart 10K, US Bank Cash+ 15K, Sam's Club 10K, Chase Freedom $6K, Discover More $15K, Chase United Club MileagePlus $33K, Costco $6K, CapOne Quicksilver One $7K, Cap One Quicksilver $5K, Amazon $3K, Barclays $12.5K, Home Depot $7.5K, AppleCard $6K
Message 9 of 14
TiggerDat
Valued Contributor

Re: What just happened?.....

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?

It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
Message 10 of 14
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.