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I pulled myFICO TU report today and noticed HSBC is reporting two cards. It's reported as no lates or anything... but does it need to be there? Does this count as a positive TL even with a largest past balance? I've reported lost/stolen cards to other credit cards of mine an they aren't being reported. I don't even know if these two are mine.
Status as of: Dec 2010
Date opened: Dec 2009
Date of last activity: Nov 2010
Date closed: Dec 2010
Loan type: Credit Card
Credit limit: $0
Largest past balance: $271
Account Type: Revolving Account
Account holder: Individual Account
Industry: Banks
Descriptions: Credit card lost or stolen
Status as of: Apr 2010
Date opened: Dec 2009
Date of last activity: Feb 2010
Date closed: Apr 2010
Loan type: Credit Card
Credit limit: $0
Largest past balance: $246
Account Type: Revolving Account
Account holder: Individual Account
Industry: Banks
Descriptions: Credit card lost or stolen
Generally, a lost or stolen card will report exactly as the new one, with the lates and all. Have you compared your report directly from TU. Those may not show those two TL and that is what I would go by.
If they are there, I would contact the OC and ask about them.