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what's this on my credit report? Yikes.

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Anonymous
Not applicable

what's this on my credit report? Yikes.

I checked creditkarma and found this:

 

I did not open a credit card in so long I cannot even remember.  I tried googling CB/CMPNYST and found nothing.

 

Creditor Name: CB/CMPNYST

Opened: November 2009

Credit Limit: $500*

Reported Balance: $0*

Message 1 of 22
21 REPLIES 21
Shogun
Moderator Emeritus

Re: what's this on my credit report? Yikes.

Newyork state lein?

 

Central Maine Power?

 

 

Just guessing here.. Smiley Happy

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 22
RobertEG
Legendary Contributor

Re: what's this on my credit report? Yikes.

I would suggest getting it settled, as having an open line of credit out there that you do not recall authorizing could lead to problems.

Having stated a credit limit, it is apparently being reported as a revolving line of credit, and is thus unlikely to be related to a lien, utility account, or tax obligation.

I would contact the CRA and get the contact phone or mailing address they provided upon reporting, and give the OC a call.

 

As for scoring impact, it might be positive or negative.  Showing as an open account with 0% util is positive, and also adds to the number of revolving accounts in your scoring of % cards with balances.  However, if its age of 11/2009 is younger than your current avg age of accounts, it would be hurting your length of credit scoring.

Regardless, scoring impact would not be my primary concern.  My concern would be possible use of this account.

 

 

Message 3 of 22
Anonymous
Not applicable

Re: what's this on my credit report? Yikes.

I am in NY but how can it be a lein based on the credit max listed / the fact that it seems to be a credit card.  How can I check for leins on my property?

 

Cannot be Central Maine Power as I don't live there.

Message 4 of 22
Anonymous
Not applicable

Re: what's this on my credit report? Yikes.

I see it on creditkarma so no place to call...I need to know what the initials mean.

Message 5 of 22
jcstarkey8826
Established Contributor

Re: what's this on my credit report? Yikes.

either pull your report from TU to view details or purchase your report from here. CK wont give you much to go on.

In my wallet: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL
Message 6 of 22
Shogun
Moderator Emeritus

Re: what's this on my credit report? Yikes.

Doesn't give an address?  Phone #?   I'm as baffled as you are.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 7 of 22
Anonymous
Not applicable

Re: what's this on my credit report? Yikes.

On Credit Kasrma that type of info is not listed.

Message 8 of 22
RobertEG
Legendary Contributor

Re: what's this on my credit report? Yikes.

They reported to the CRA, who must therfore have contact info.

Message 9 of 22
Anonymous
Not applicable

Re: what's this on my credit report? Yikes.

Where is the best place to buy, for the least $, all three scores?  If I were to buy just one score with report (I rec'd my 3 free reports this year and that creditor wasnt listed then), which one should I go for?

Message 10 of 22
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