Credit Card Center Advertiser Disclosure

New Contributor
Posts: 64
Registered: ‎06-30-2007
0 Kudos

What the heck Chase? PUZZLING!

I have two chase closed accounts. One i paid off last month and the other is closed but still has a balance that I'm paying on...been on time for the last 7 months but was closed in jan 2007. Both of these appear correctly on my reports, but there are some recent developments.

1. On 7/6/07 I called Chase to report that there is a mysterious 3rd account showing up on my EQ fico report. I didn't have an account number for it and it wasn't showing up on my TC report. The call was 4 minutes long and the guy got a little annoyed that i didn't have an acct number, but said he'd send it to the correspondence dept.

2. On 7/9 I mailed ONE GW letter with both of my real chase account numbers to try to get my late payments removed.

On 7/11, I pulled my daily TC and both of my chase accounts were removed from TU. Confused, but happy, I celebrated the 16pt bump in fico TU score.

Today, I came home to a letter dated 7/13 from Chase stating that they were going to delete one of the account because it is no longer in their system. The PROBLEM is that the account number they gave me on the letter does not exist on my credit reports anywhere!!! What should i do?! I think this response was probably from my call on 7/6 as i don't think they would have responded to my GW letter so quickly.

Any suggestions?
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
0 Kudos

Re: What the heck Chase? PUZZLING!

I got one of those letters from Chase as well.
DW and I had 3 accounts between us (hers, mine and ours) with Chase. Got 3 GW deletes outta them a few months back, and they even put it in writing they were deleting.
Then I got the weird "We cannot verify as this account number is no longer in our system." I rechecked DW's and my TU reports. [TU shows the full account number]. It was never ours to begin with. I just shrugged and said, oh well.
Since you have a current GW letter in the pipeline, and I would let it lie for now. Chase will usually respond within 2-3 weeks. Give 'em 4-6 weeks to GW delete or respond and say no.
If they delete, no worries. If they say no or don't respond, ask again.
2 of our 3 GW deletes were outta banks Chase acquired. I suspect their migration of data ain't exactly a completely streamlined process, and working in IT I know it never is. They might well be losing old accounts.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. 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.