1/WFNNB Frustratio ns
07-28-2012 03:03 PM
Okay, so I have a store card from a department store called Herbergers. Across the country, these stores operate under different names: Bergners, Boston Store, Carson Pirie Scott, Elder-Beerman, Parisian, and Yonkers, and The Bon-Ton.
Anyway, this card was originally issued by HSBC Retail. As we all know, HSBC got taken over by Capital One. This transition went very smoothly about 2-3 months ago. Best of all, on my CR's this account just got renamed from HERBERG/HSBC to HERBERG/CAP1. No new tradeline, so all was well.
But about a month ago, I got a letter from Capital One stating this accont was getting transfered from Capital One to WFNNB. Okay, no big deal. But this week, I checked EX and the HERBERG/CAP1 TL is now marked closed by lender, and there is a new TL from WFNNB. As a result, AAoA went down by .4 years, not a big drop and score doesn't appear affected (hard to tell since its EX, FACO stayed the same but that doesn't mean much) but still upsetting. I'll check EQ and TU in a week or so.
After calling both Capital One and WFNNB, they both say there is nothing they can do about it.
EX FICO (from AMEX): 754, TU08 FICO (from Discover): 755, AAoA: 3.6 years