Effect of fraudulent CC charges on score & report

[Anonymous]

In May this year I had some fraudulent charges appear on my CU visa. Called the CU and they shut down the card and issued a new card.

Looked at my Experian report today.

Under the original card number it shows:

Account Type Credit Card

Terms Revolving

Date Opened 01/01/2014

Account Status Closed

Payment StatusUnknown

Payment Status Details Credit card lost or stolen

Status Updated06/01/2015

Balance -

Balance Updated -

Credit Limit $3,750.00

Past Due Amount -

High Balance $900.00

The new accound shows:

Account Type Credit Card

Terms Revolving

Date Opened 01/01/2014

Account Status Open

Payment Status Paid

Payment Status Details Current

Status Updated 06/01/2015

Balance $525.00

Balance Updated -

Credit Limit $3,750.00

Past Due Amount -

High Balance $900.00

both accounts show payment history from february 2014 through june 2015...

1. Is this how this is supposed to be shown?

2.is the payment status unnown and CC lost or stolen comment going to be a negative on my scoring or be a negative to a lender (I will be looking to buy a truck in a few months)

FWIW, I did see a 4 point drop on experian, but not sure if that is due to drop in AAoA, increase util on revolving credit, or the potentially negative remarks in the old account.

[Anonymous]

I wouldn't worry about it, there is nothing negative there. It is clear that the card was lost or stolen and that is why the account is closed. Closed account are not negative any way. If you are really worried about it, contact your creditor and ask them to remove the closed account from your reports, but I wouldn't worry about it. The point decline has nothing to do with this, it's from something else.