topic Re: Is the credit card number on credit reports only visible to me? in General Credit Topics

Is the credit card number on credit reports only visible to me?

cr101 — Sat, 19 Oct 2019 11:37:55 GMT

Is the credit card number on credit reports only visible to me?

Re: Is the credit card number on credit reports only visible to me?

Anonymous — Sat, 19 Oct 2019 12:20:00 GMT

@cr101 wrote:
Is the credit card number on credit reports only visible to me?

I'm not aware of any credit report that displays the full credit card/account number. I just checked my credit reports from the 3 major credit bureaus and (a) Equifax displays account name but no account number (b) Experian shows the first 6 digits of each account number, and (c) TransUnion omits the last 4 digits of account numbers.

Re: Is the credit card number on credit reports only visible to me?

iv — Sat, 19 Oct 2019 18:54:22 GMT

@cr101 wrote:
Is the credit card number on credit reports only visible to me?

Except for the list of soft pull inquiries, if you see it on your report, so does anyone else who pulls it.

@Anonymous wrote:
I'm not aware of any credit report that displays the full credit card/account number. I just checked my credit reports from the 3 major credit bureaus and (a) Equifax displays account name but no account number (b) Experian shows the first 6 digits of each account number, and (c) TransUnion omits the last 4 digits of account numbers.

Not anymore, anyway. (I have copies of my reports from the 90s with full account numbers listed...)

And I've seen a few cases where the lender appears to have sent the CRA a number other than the real account number (whether random, scrambled, or internally coded, I'm not sure.)

I've never understood why the CRAs though blanking out the LAST few digits was a good idea, though... when paper receipts, websites, email confirmations, etc... all display the last 4-6 digits!

It's kinda like offering an "Ages 0-1" jigsaw puzzle to ID thieves.

Re: Is the credit card number on credit reports only visible to me?

cr101 — Sat, 19 Oct 2019 20:13:13 GMT

@iv wrote:
I've never understood why the CRAs though blanking out the LAST few digits was a good idea, though... when paper receipts, websites, email confirmations, etc... all display the last 4-6 digits!

It's kinda like offering an "Ages 0-1" jigsaw puzzle to ID thieves.

Yes, I had to get out my card just to make sure that I was right and that they actually displayed most of my # on my TU report. A very sneaky, devious person could do some damage.