Reply
Established Member
Smarter2day
Posts: 20
Registered: ‎03-23-2014
0

Not my CC Acct on CR - Helping my CS?!

I've been thinking I should try to reopen an old CC lately. So I looked at my CR and my first attempt was for a Citi card with a 3K limit closed in 08. When I called, they could not find anything under my SSN, or past addresses. She did say she saw an account under my name but not in my state. I'm feeling kind of confident this account never belonged to me, since I didn't remember having it in the first place. I know I should probably dispute it - seems wrong not to. 

 

I really am unsure what the impact might be to have it removed. Account has no lates, nearly the highest limit on my CR, but it was only open for 32 months and my AAoA is 75 months. I honestly feel terrible for considering using this to my advantage. Well, I'm not actually sure there even is an advantage.

 

Has anyone heard of this happening before?  

Valued Contributor
gdale6
Posts: 9,263
Registered: ‎12-13-2013
0

Re: Not my CC Acct on CR - Helping my CS?!


Smarter2day wrote:

I've been thinking I should try to reopen an old CC lately. So I looked at my CR and my first attempt was for a Citi card with a 3K limit closed in 08. When I called, they could not find anything under my SSN, or past addresses. She did say she saw an account under my name but not in my state. I'm feeling kind of confident this account never belonged to me, since I didn't remember having it in the first place. I know I should probably dispute it - seems wrong not to. 

 

I really am unsure what the impact might be to have it removed. Account has no lates, nearly the highest limit on my CR, but it was only open for 32 months and my AAoA is 75 months. I honestly feel terrible for considering using this to my advantage. Well, I'm not actually sure there even is an advantage.

 

Has anyone heard of this happening before?  


It would be foolish to challenge the account as it is an older one and you want it around for AAoA. You are not going to find anyone to reopen a closed account, just doesnt happen anymore, you will need to re app for cards.

EX Cred Ses 08/14: 767 ; EX Fico 04 V2 06/14: 775; EX Fico 08 07/14 778 ; EX Fico 08 BC 07/14: 800
EQ Fico 05/14 781 ; EQ MPM 07/14: 721
TU Fico 8 07/14: 719; TU MPM 06/14 706
Valued Contributor
wHiTeSoL
Posts: 1,063
Registered: ‎07-09-2013
0

Re: Not my CC Acct on CR - Helping my CS?!

I think it's foolish NOT to dispute it. I wouldn't want any account not mine on my CR, helping or not it's just not a good idea. 


   3/12 $3500     6/12 $1200      10/12 $1500   12/12 $3400    6/13 $12000      7/13 $5000      7/13 $2500       8/13 $2000    8/13 $6000

  | CSP (AU) $12,000 | Amex PRG (AU) | United $6,000 | OCCU $12,000 | Ink Bold | GM $3,200 | DCU $7500 | Luthansa $9000 | SPG $6,000 | Citi AA Executive $11,000 | Ink Plus $5,000                                                                         | EX 2/7 697 | EQ 10/27 721 | TU 12/15 719 |

Mega Contributor
RobertEG
Posts: 18,215
Registered: ‎03-19-2007
0

Re: Not my CC Acct on CR - Helping my CS?!

If you have an account that is not yours showing in your credit report, I would notify the creditor.  There is apparently a problem on their end if they are reporitng under your name. 

I would not start by filing a formal dispute, I would notify the creditor that it is not yours.  A dispute will mess up your current scoring until resolved, and may be avoidable.

 

Aside from any moral obligation to correct, you never know what could happend with that account.  It could go south at any time.

You are rolling the dice by having an account over which you have no control appearing in your credit file.

Established Contributor
TheGardner
Posts: 668
Registered: ‎01-12-2014
0

Re: Not my CC Acct on CR - Helping my CS?!

Don't see how it could go south if it is already long closed (2008).

Perhaps it may be a moral issue but I can not see how this account can adversely effect OP.

I would NOT Try to reopen any accounts that did not belong to me!

That being said I'm not sure I would mess with it.. Just my 2 cents.

Good luck OP in which ever route you decide!
If anyone needs me I will be In The Garden. Goal Score: 720 for all in 2014.
TU - 735 EX - 703 EQ - 697 myfico 3 score watch
Need to work on AAoA now..
In the Garden Oct 23, 2014 - ?
Established Member
Smarter2day
Posts: 20
Registered: ‎03-23-2014
0

Re: Not my CC Acct on CR - Helping my CS?!

Yeah, those are good points. I wonder though....since it's age is about half my current AAoA, shouldn't it help in that sense if it were removed?


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}