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Synchrony/Care Credit Reporting both negative and positive

New Contributor

Synchrony/Care Credit Reporting both negative and positive

I just checked my credit on annual credit report and I noticed that the care credit account is listed twice on credit report.

 

Positive Account

 

States closed and paid as agreed

 

Negative Account

 

Reporting 120+days past due as of 3/2017

 

Same account number for both. Why would it be reporting this way? Is there anything I can do about this?

Starting Score: EQ 430, TU 467, EX 465
Current Score: EQ 617, TU 618, EX 611
Goal Score: EQ 700, TU 700, EX 700


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14 REPLIES
Regular Contributor

Re: Synchrony/Care Credit Reporting both negative and positive

yeah i guess that does make sence. The one reporting closed/ paid as agreed is the actual trade line and the one under negative items is the fact that you were later 30/60/90 etc days at one point.  I could be wrong though but thats seems normal

Community Leader
Valued Contributor

Re: Synchrony/Care Credit Reporting both negative and positive

There shouldn't be a separate account for the lates, it should be all together.
Senior Contributor

Re: Synchrony/Care Credit Reporting both negative and positive


myyellowis300 wrote:

yeah i guess that does make sence. The one reporting closed/ paid as agreed is the actual trade line and the one under negative items is the fact that you were later 30/60/90 etc days at one point.  I could be wrong though but thats seems normal


Huh? It makes no sense. Sorry, but your wrong.

 

OP, is it actually closed and paid as agreed? Or did you have drerogratory reporting on it? Which one?

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Senior Contributor

Re: Synchrony/Care Credit Reporting both negative and positive

Your lates if any which your not clear if it's supposed to have any lates or not , either way it should all be under ONE trade line not Multiple
New Contributor

Re: Synchrony/Care Credit Reporting both negative and positive

Just for clarification this is what the account is stating on my credit report:

 

                                               Equifax                                Transunion                                    Experian

 

Company:                              Syncb/Care Credit                 " " "                                              " " "

Date open:                             Sept 2012                              " " "                                              " " "

Status date:                           Feb. 2017                               " " "

Condition:                              Open                                       " " "                                             " " "

Last Activity:                          June, 2013                        Nov, 2013                                      Not available

Balance:                                $938                                    "   "  "                                                 " " "

Status:                                   Charge off                         Charged off as bad debt              Unpaid balance report as loss by credit grantor

 

LATE 90 plus days                27 times as of Feb 2017     None reported                            Collection

 

SAME ACCOUNT LISTED AGAIN

 

                                               Equifax                              Transunion                                 Experian

 

Company:                              Syncb/Care Credit                 " " "                                              " " "

Date open:                             July 2006                               " " "                                              " " "

Status date:                           Sept 2016                              " " "                                               " " "

Condition:                              Open                                      " " "                                               " " "

Last Activity:                          

Balance:                                $0                                          "   "  "                                             " " "

Status:                                   Pays account as agreed        "  "   "                                            " " "

 

 

Just need help with what to do with this?  I'm learning

 

Starting Score: EQ 430, TU 467, EX 465
Current Score: EQ 617, TU 618, EX 611
Goal Score: EQ 700, TU 700, EX 700


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Valued Contributor

Re: Synchrony/Care Credit Reporting both negative and positive


Jayla127 wrote:

Just for clarification this is what the account is stating on my credit report:

 

                                               Equifax                                Transunion                                    Experian

 

Company:                              Syncb/Care Credit                 " " "                                              " " "

Date open:                             Sept 2012                              " " "                                              " " "

Status date:                           Feb. 2017                               " " "

Condition:                              Open                                       " " "                                             " " "

Last Activity:                          June, 2013                        Nov, 2013                                      Not available

Balance:                                $938                                    "   "  "                                                 " " "

Status:                                   Charge off                         Charged off as bad debt              Unpaid balance report as loss by credit grantor

 

LATE 90 plus days                27 times as of Feb 2017     None reported                            Collection

 

SAME ACCOUNT LISTED AGAIN

 

                                               Equifax                              Transunion                                 Experian

 

Company:                              Syncb/Care Credit                 " " "                                              " " "

Date open:                             July 2006                               " " "                                              " " "

Status date:                           Sept 2016                              " " "                                               " " "

Condition:                              Open                                      " " "                                               " " "

Last Activity:                          

Balance:                                $0                                          "   "  "                                             " " "

Status:                                   Pays account as agreed        "  "   "                                            " " "

 

 

Just need help with what to do with this?  I'm learning

 


These have different opening dates. They are two different accounts.


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Community Leader
Valued Contributor

Re: Synchrony/Care Credit Reporting both negative and positive

Did you ever have to get a new card?
New Contributor

Re: Synchrony/Care Credit Reporting both negative and positive

They both have the same account number
Starting Score: EQ 430, TU 467, EX 465
Current Score: EQ 617, TU 618, EX 611
Goal Score: EQ 700, TU 700, EX 700


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Community Leader
Valued Contributor

Re: Synchrony/Care Credit Reporting both negative and positive

But if a new card was issued the account number will be the same, but the first 'account' will report as closed and the 'new' one will start reporting. That may be the issue.