07-23-2009 11:55 PM
A few months ago my Macy's card (3000 cl) was bumped up to a Macy's Visa.(cl 6000) I checked my eq report earlier this evening and discovered that my Macy's card was listed as closed, and my Macy's visa was missing off my report altogether. Listed on my report was my sears card, target visa, Nordstrom card, but no, Macy's visa.
Is my credit score being adversely effected by this omission?
07-24-2009 08:35 AM
It should show up soon - but call Macy's to find out what's going on. I'm guessing they show the store card closed because store cards do not have the same impact as Visa/MasterCard/Amex do on your report.
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.