Discover reporting account twice in Experian CR

winks_oz — Thu, 09 Feb 2023 16:23:26 GMT

G'day,

I'm on a credit repair journey and I noticed on my Experian CR my Discover it CC is listed twice, and the balance of both are being used to calculate my current utilization.

At one point, I lost my card and they issued me a new one. I've never disputed this account with the CB's or Discover so the comments in the CR got me wondering what going on.

If a card is lost and they issue a new card then shouldn't the first account on the CR say in the comments something about a lost card?

Also, why is Experian using the CL and UTL for both when it's the same account?

Is this right or do I need to correct it?

The first account on the CR says:

Account Name DISCOVER BANK

Account Number XXXXXXXXXX

Account Type Credit card

Responsibility Individual

Date Opened 11/08/2015

Status Open/Never late.

Status Updated Nov 2020

Balance $4,970

Balance Updated 11/19/2020

Recent Payment $0

Monthly Payment $101

Credit Limit $5,100

Highest Balance $5,098

Terms NA

Comment

Current:

Account previously in dispute - investigation complete,

reported by data furnisher

The second account on the CR says:

Account Name DISCOVER BANK

Account Number XXXXXXXXXX

Account Type Credit card

Responsibility Individual

Date Opened 11/08/2015

Status Open/Never late.

Status Updated Dec 2022

Balance $5,060

Balance Updated 12/19/2022

Recent Payment $0

Monthly Payment $116

Credit Limit $5,100

Highest Balance $5,217

Terms NA

Comment

Current:

Account previously in dispute - investigation complete,

reported by data furnisher

Re: Discover reporting account twice in Experian CR

coldfusion — Thu, 09 Feb 2023 16:51:13 GMT

I suggest you contact Discover directly, preferably in writing, asking them to confirm that they are correctly reporting the account information as you only have 1 account and you never filed any kind of dispute. You should get them to validate themselves that they are reporting the account information correctly before you approach Experian as right now you don't know if this is an issue of information being provided incorrectly (Discover) or information being reported incorrectly (Experian).

I'm not sure how Discover specifically handles this senario but when a lost card is replaced with new card number generated ssuers generally either just update the information in the existing report to reflect the new number or report the existing account as closed along with a new account reported that carries over the original open date of the card (Synchrony for example historically has done this).

topic Discover reporting account twice in Experian CR in General Credit Topics

Discover reporting account twice in Experian CR

Re: Discover reporting account twice in Experian CR