@chryanna wrote:
I have a Macy's Visa. My store limit was always identical with my credit limit; it was the same physical card and I made one payment. But on my credit report, they have two separate account numbers and I get both the Macy's DSNB and the Visa DSNB (and they both have different information). Is this legit? Anything I can do about it?
The Macy's Visa (now the Macy's American Express) is strange indeed, and it took a while for me to understand what was going on. Basically, it's two credit accounts in one - there's the Macy's tradeline and a separate Visa/Amex tradeline. As you've discovered, there are different account numbers and different entries in one's credit report. In many cases (but not yours), the CL on the accounts are different.
Whenever you use your card at a Macy's, it automatically gets charged to the Macy's tradeline. If you use it to buy gas or groceries or clothes at Bloomingdale's, it goes on the American Express account.
Now here's the thing: my Macy's Visa/Amex card has always generated two distinct monthly statement that had to be paid separately. This was a great source of confusion to me, because I would get two billing statements within days of each other. At first I was using the card exclusively at Macy's, so only one statement had a balance. But when I started using it at other retailers, then both statements would have balances. At first I only paid one statement, thinking that there was just something quirky going on with the billing, but then I realized that not all the charges that I had made during the billing cycle were on the statement that I paid. So I paid the other statement.
You mentioned that you only make one payment a month. I wonder whether your derogatories are there because only one of the two tradelines was actually being paid? That's what nearly happened to me, and I can imagine that it happens to other people as well.
In any case, yes, the reporting is legitimate, so there's nothing that can be changed about it. Like pizzadude suggested, you could try to ask Macy's to GW the negative reporting, especially in light of the confusion about the two separate accounts.
