topic Current account reporting twice? in General Credit Topics

Current account reporting twice?

Anonymous — Mon, 01 Apr 2013 21:29:25 GMT

I received a score alert that my credit score had gone down since TWO of my accounts reported changes. When I checked, the two accounts were both the same account. Not sure why it is reporting two times, though? It's not in collections. I use this card every month and make the payments on it every month. How do I fix this so it doesn't continue to show up as two seperate accounts?

Re: Current account reporting twice?

RobertEG — Mon, 01 Apr 2013 22:46:59 GMT

Could very likely have been a simple data input error by the creditor.

I would call them and advise of the double-reporting, and try to get it cleared up informally. I would hold off on any dispute, thus avoiding a dispute flag in your file, unless you cant get correction by informal means.

Re: Current account reporting twice?

llecs — Tue, 02 Apr 2013 16:12:17 GMT

@Anonymous wrote:
I received a score alert that my credit score had gone down since TWO of my accounts reported changes. When I checked, the two accounts were both the same account. Not sure why it is reporting two times, though? It's not in collections. I use this card every month and make the payments on it every month. How do I fix this so it doesn't continue to show up as two seperate accounts?

OP, are you using ScoreWatch and was this how you were alerted to the change? If so, know that you don't have 2 of the same account. By default within ScoreWatch's settings you have the option of being alerted everytime a balance increased by $x and x%. I think the default settings are $5 and 1% or something like that. Anyway, if your balance on your CC increases by both x% and $x, then you'll get alerted twice for the same account.

If annoying, you can change the default settings. Go into Settings and select one of the two to "N" for No and the double alerts will go away.