cancel
Showing results for 
Search instead for 
Did you mean: 

annoyed w cap1

tag
sarkell
Frequent Contributor

annoyed w cap1

I wish they would quit adding accounts ugh its killing my aaoa.  So all my old hsbc closed or open now appear twice on my cr.  Ugh killing my aaoa bc all less than my aaoa. Can I dispute this?  I sshouldn't have two tl for same accounts.  Should I?

Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500
In the garden until I can get a BCP

Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
Goal Score: 720


Take the myFICO Fitness Challenge
Message 1 of 8
7 REPLIES 7
Countingpennies
Established Contributor

Re: annoyed w cap1

This is happening to me as well. I have two fairly new Cap 1 accounts, one just reported and along with it is an old HSBC (which was originally something else) now also reporting as Capital One. The account was paid and closed about 5 years ago. The newly-added version shows a current account history. I disputed both as duplicates, but I can foresee this happening over and over as I probably have 6 other HSBC' s, 5 were IIB and I had to fight to get those to report correctly.
Message 2 of 8
sarkell
Frequent Contributor

Re: annoyed w cap1

Well ill dispute but next time I get a call to eo I'm going to ask that they report correctly which is fall.

Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500
In the garden until I can get a BCP

Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
Goal Score: 720


Take the myFICO Fitness Challenge
Message 3 of 8
AndySoCal
Valued Contributor

Re: annoyed w cap1

Are the date open(s) the same as HSBC ?

FICO Scores XPN v8 802 V2 831 (SDFCU) TUC 803 v8 EFX 807 (10/2023)
Discover 09/90 19,000, JCPenney 10/2008 4,700 US Bank Cash+ 12,000 Citibank Custom Cash 5/2015 11,100 C State Dept. FCU 15,000 06/2023 , 02/2024 Redstone FCU Signature VISA 10,000 Banking: Ally Bank Credit Unions: Lafayette FCU Quorum FCU State Department FCU State Department FCU Pelican State CU Redstone FCU

Message 4 of 8
sarkell
Frequent Contributor

Re: annoyed w cap1

Yes but all duplicate accounts I've had 4 accounts still currently open. Plus one was a lost card different tl so added 5 accounts same dates etc but HSBC still on there too. Very annoying. It's hurting my aaoa. I'm going to have to write into credit bureaus I can't do online disputes currently or call. Ill wait though a month or two maybe they'll delete the others strange thing it's only on tu check on my 3 pull monitoring on tu has the duplicates so irritating.
Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500
In the garden until I can get a BCP

Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
Goal Score: 720


Take the myFICO Fitness Challenge
Message 5 of 8
AndySoCal
Valued Contributor

Re: annoyed w cap1

How has it changed you average of accounts? I could understand this if date of open on the account  was more recent on the Cap One card than HSBC.  My guess would be that the HSBC cards and point will stop reporting. Just a guess.

FICO Scores XPN v8 802 V2 831 (SDFCU) TUC 803 v8 EFX 807 (10/2023)
Discover 09/90 19,000, JCPenney 10/2008 4,700 US Bank Cash+ 12,000 Citibank Custom Cash 5/2015 11,100 C State Dept. FCU 15,000 06/2023 , 02/2024 Redstone FCU Signature VISA 10,000 Banking: Ally Bank Credit Unions: Lafayette FCU Quorum FCU State Department FCU State Department FCU Pelican State CU Redstone FCU

Message 6 of 8
Countingpennies
Established Contributor

Re: annoyed w cap1

My duplicate accounts are on TU as well. This is the 3rd situation (for me) that TU couldn't seem to get right, but was fine on EX and EQ. I don't think Cap1 submits different data to TU than it does to the other two. Might be wrong, of course, but that's how it looks to me. I feel like I have to watch TU closely now just waiting for the next foulup.
Message 7 of 8
sarkell
Frequent Contributor

Re: annoyed w cap1

Agreed yes it's accounts that are are closed 3 of 4 are less than my aaoa so yes affecting my aaoa. Tu is always my report with inaccuracies I had accounts that never existed report on there etc. I'm gardening now so ill wait a few months until transition is complete July 15th and then go and dispute the inaccuracies.
Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500
In the garden until I can get a BCP

Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
Goal Score: 720


Take the myFICO Fitness Challenge
Message 8 of 8
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.