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CareCredit On Equifax Reporting in a Weird Way

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chalupaman
Super Contributor

CareCredit On Equifax Reporting in a Weird Way

For some reason, I'm seeing two Care Credit accounts on my CR.

 

One has my initial starting limit of 5.5k and the other one has my new limit of 6.6k and I wanna know what would be the best way to go about correcting this to make sure there aren't any duplicate accounts, etc.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 1 of 3
2 REPLIES 2
Revelate
Moderator Emeritus

Re: CareCredit On Equifax Reporting in a Weird Way


@chalupaman wrote:

For some reason, I'm seeing two Care Credit accounts on my CR.

 

One has my initial starting limit of 5.5k and the other one has my new limit of 6.6k and I wanna know what would be the best way to go about correcting this to make sure there aren't any duplicate accounts, etc.


When was the CLI?  Sounds wierd but other instances can cause a tradeline to be reported twice (like a lost/stolen card) and it usually corrects itself quickly.

 

If it's a positive tradeline though I'd keep it till they took it away personally Smiley Happy




        
Message 2 of 3
chalupaman
Super Contributor

Re: CareCredit On Equifax Reporting in a Weird Way


@Revelate wrote:

@chalupaman wrote:

For some reason, I'm seeing two Care Credit accounts on my CR.

 

One has my initial starting limit of 5.5k and the other one has my new limit of 6.6k and I wanna know what would be the best way to go about correcting this to make sure there aren't any duplicate accounts, etc.


When was the CLI?  Sounds wierd but other instances can cause a tradeline to be reported twice (like a lost/stolen card) and it usually corrects itself quickly.

 

If it's a positive tradeline though I'd keep it till they took it away personally Smiley Happy


The CLI I requested about a few days after I opened the account. Positive TL surely.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 3 of 3
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