Reply
New Contributor
Posts: 63
Registered: ‎06-30-2007
0

Duplicate account in good standing?

Here's a little puzzle. I have TWO CCs with Chase, and they closed both of them when I was severely late at the end of 2006 and I've been working hard to pay them down. The one account is accurate on every report.

The OTHER chase account is showing up twice i think on my EQ report. The duplicate though is still showing as open, with an updated status as of Jan 2005, with 2 late payments - one in May of 2004, and one in 2002. Is it possible that having this account listed as open is HELPING my utilization? Or should I just dispute as a duplicate and hope for a boost?

Thanks for any advice! i'm getting the hang of this credit thing!

Kind regards,

Judy
Established Contributor
Posts: 905
Registered: ‎05-09-2007
0

Re: Duplicate account in good standing?

[ Edited ]
If the info being reported is not listing anything derogatory than it is likely helping your scores... History is also a significant contributing factor... Sometimes it's best to let sleeping dogs lie.
 
Rob
 
EDIT: ANything OTHER than the 2 lates...:smileywink:


Message Edited by FICO_Focused on 07-05-2007 09:25 PM
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: Duplicate account in good standing?

Are the lates showing on both accounts? While the extra avail credit is helping your util, the two lates wouldn't be worth it, IMO.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.