card closed for fraud and reissued

red259 · ‎05-18-2015

when a card is closed for fraud and a new card with different number is issued how does this impact my credit report. Does it appear as an account being closed and a new one being opened or is it the same account with just the number changed?

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019

Anonymous · ‎05-18-2015

@red259 wrote:
when a card is closed for fraud and a new card with different number is issued how does this impact my credit report. Does it appear as an account being closed and a new one being opened or is it the same account with just the number changed?

New account that kills your old one. Totally destroys your AAOA.

j/k - same account with new number

Anonymous · ‎05-18-2015

no its just a new card number.

this happened to me with my csp someone used it for an online purchase of $200 which was declined by chase. either way i called to havve it canceled and let them know i didnt do that. they canceled the card and sent me new card overnight nothing else changed. just the card number

Anonymous · ‎05-18-2015

haha!

New account that kills your old one. Totally destroys your AAOA.

j/k - same account with new number

stellar · ‎05-18-2015

I had my purse and all cards stolen years ago. Had to cancel every card and issue new ones. Each card showed up twice on my credit report. One account said "card lost or stolen". They each had different dates of opening.

Anonymous · ‎05-18-2015

I also have a couple on my report that say lost/stolen and the new account is a different listing.

red259 · ‎05-18-2015

@stellar wrote:
I had my purse and all cards stolen years ago. Had to cancel every card and issue new ones. Each card showed up twice on my credit report. One account said "card lost or stolen". They each had different dates of opening.

I wonder if having the card reported twice like that somehow helps with fico scoring even a little bit, like if you had an extra account.

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019

Anonymous · ‎05-19-2015

@Anonymous wrote:
@red259 wrote:
when a card is closed for fraud and a new card with different number is issued how does this impact my credit report. Does it appear as an account being closed and a new one being opened or is it the same account with just the number changed?
New account that kills your old one. Totally destroys your AAOA.

j/k - same account with new number

LMAO, wouldn't that be something. I'd be vehemently angry.

Anonymous · ‎05-19-2015

@red259 wrote:
@stellar wrote:
I had my purse and all cards stolen years ago. Had to cancel every card and issue new ones. Each card showed up twice on my credit report. One account said "card lost or stolen". They each had different dates of opening.
I wonder if having the card reported twice like that somehow helps with fico scoring even a little bit, like if you had an extra account.

I doubt it, we'd have people reporting cards stolen left and right just to get the double account credit for each account, lol.

Lyythine · ‎05-19-2015

@Anonymous wrote:
@red259 wrote:
when a card is closed for fraud and a new card with different number is issued how does this impact my credit report. Does it appear as an account being closed and a new one being opened or is it the same account with just the number changed?
New account that kills your old one. Totally destroys your AAOA.

j/k - same account with new number

Unless its USAA... The one time my USAA card had some fraud, they shut down the card and when they re-issued, it showed up as a whole new trade-line.