Moderator Emeritus
llecs
Posts: 32,869
Registered: ‎08-04-2007
Re: Lost or Stolen Credit Cards reported
[ Edited ]

The only impact would be to your AAoA and mix of credit. Your new CC will show the old open date, so if you happen to lose your oldest CC, then it'll help your credit actually. Lose a bunch of new CCs, and it can negatively impact your credit once/if the new ones report. And per mix it can't hurt, but can help your mix if that was your only CC, for example.

 

It should delete by 2 yrs, if not sooner.

 

ETA....lenders don't view them negatively. I had 2-3 reporting when we applied for a mortgage, with yet another about to report during the mortgage process due to a skimmed CC. They didn't care.