topic Re: New DISC acct due to DB compromise in Credit Cards

New DISC acct due to DB compromise

Anonymous — Thu, 12 Apr 2012 21:01:50 GMT

Last week Discover sent me a new CC with a new account number.

I believe there was a massive database compromise at one of the CC processing centers.

Anyway, I'm wondering if this will have any effect on my credit score. Will this lower my AAoA?

Re: New DISC acct due to DB compromise

webhopper — Thu, 12 Apr 2012 21:08:54 GMT

@Anonymous wrote:
Last week Discover sent me a new CC with a new account number.

I believe there was a massive database compromise at one of the CC processing centers.

Anyway, I'm wondering if this will have any effect on my credit score. Will this lower my AAoA?

It should not... My number was compromised as a result of me losing my wallet. They sent me a new card with a new account number and it did not change my account age.

Re: New DISC acct due to DB compromise

oracles — Thu, 12 Apr 2012 21:26:35 GMT

everything stays the same, history, limit, everything. Just the number is different. Dont worry

Re: New DISC acct due to DB compromise

LS2982 — Thu, 12 Apr 2012 21:37:30 GMT

@webhopper wrote:
@Anonymous wrote:
Last week Discover sent me a new CC with a new account number.

I believe there was a massive database compromise at one of the CC processing centers.

Anyway, I'm wondering if this will have any effect on my credit score. Will this lower my AAoA?
It should not... My number was compromised as a result of me losing my wallet. They sent me a new card with a new account number and it did not change my account age.

I just had the same with Barclays, and had it in the past with Cap1. You should be fine!

Re: New DISC acct due to DB compromise

RyVision — Thu, 12 Apr 2012 22:19:10 GMT

First I have to say it's great to see you back and posting LS I've read far to many informative posts you've written to see your leaving as a positive in any way.

As far as the Discover Card issue, and them issuing new cards goes. I myself am a bit concerned, about the time a replacement Discover More card came in the mail, I got a SW alert about a new account posting on my report, it was a "new" Discover More....... I have not yet activated the new card\account. Has anyone else noticed a SW alert due to this? Pen Fed sent new cards as well, I'm wondering how many other issuers are going to send out new plastic. They sent a heads up letter prior to sending out the cards however (they should all do that, Discover did not that I noticed).

I thought the DB breach was with MC\Visa only, Discover wouldn't even be affected by that, would it?

Re: New DISC acct due to DB compromise

kjm79 — Thu, 12 Apr 2012 22:26:12 GMT

This soley depends on the creditor. I lost my wallet and along with it two HSBC cards. The new cards were issues with new account numbers. Totally new tradelines on my reports. 4 total HSBC tradelines then. Old and New. Same opening dates as the original, same limits, different account numbers and it did bring my AAoA down despite EX CSR's telling me they were excluded.

Now with NFCU, my card was compromised and they issued me a new card with a new number. But it's not a new tradeline. The old tradeline just updated with the new account number. So it all depends on how Discover reports the new card.

Re: New DISC acct due to DB compromise

Anonymous — Thu, 12 Apr 2012 22:37:41 GMT

Nothing should change on your CR, I had the same thing happened to me a few months ago.

Nothing changed CR wise