Can lost or stolen cards affect FICO score?

[Anonymous]

When you report a lost or stolen card to the issuing bank, are they to report it to the bureaus?

If so, can it affect your credit score?

If so, for how long?

Thank you.

Message Edited by attain on 04-13-2008 12:08 PM

[Anonymous]

Lost credit card: If there are no delinquencies, credit cards that are reported lost will continue to be listed for two years from the date the card is reported lost. Delinquent payments that occurred before the card was lost are reported for seven years.

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=2689

No clue if it affects scoring.

[Anonymous]

Only effect would be if they open a new account with a fresh start date. Usually they just assign a new number and put it back on with duplicated history.

[Anonymous]

I would like to know if this is hurting my score also, I have a lost card reported from Nov 2002, no late pays, no balance, had less than a year, but it is still on my TU.

[cobra19]

the history is helping you. When it does drop off, expect to see a slight dip in your scores.

[thotgal320]

I lost a CC recently and just got an alert but my score has not changed it only says lost or stolen card.