cancel
Showing results for 
Search instead for 
Did you mean: 

Lost/Stolen Credit Card

smo65d11
Regular Contributor

Lost/Stolen Credit Card

Does having a lost/stolen credit card (that was not used by anyone, no fraud, just a lost/stolen card) affect your FICO in any way?
Message 1 of 11
1 ACCEPTED SOLUTION

Accepted Solutions
Chopbrocoli
Established Contributor

Re: Lost/Stolen Credit Card

Not at all. Unless the suspect decided to max out your cards, thats a different story. But even if they did, it wouldnt matter cause you would have 0 liability on credit cards.
AMEX Gold Premier Rewards | SPG AMEX | Bank of America Power Rewards | Merrill Plus | United Presidential Plus | Saks World Elite
Message 2 of 11
10 REPLIES 10
Chopbrocoli
Established Contributor

Re: Lost/Stolen Credit Card

Not at all. Unless the suspect decided to max out your cards, thats a different story. But even if they did, it wouldnt matter cause you would have 0 liability on credit cards.
AMEX Gold Premier Rewards | SPG AMEX | Bank of America Power Rewards | Merrill Plus | United Presidential Plus | Saks World Elite
Message 2 of 11
FretlessMayhem
Senior Contributor

Re: Lost/Stolen Credit Card

If they issue a new account number, I believe this could reage you when it reports, possibly dinging you.
Here we go again...
Message 3 of 11
Chopbrocoli
Established Contributor

Re: Lost/Stolen Credit Card

Wells Fargo issued me a 2 new account numbers in past couple of months, have not seen an impact on my score or any signs of reaging yet. Hmm, I am going to have to look out for that.
AMEX Gold Premier Rewards | SPG AMEX | Bank of America Power Rewards | Merrill Plus | United Presidential Plus | Saks World Elite
Message 4 of 11
score_building
Senior Contributor

Re: Lost/Stolen Credit Card

yes it can... for the reason noted by Fretless... weird but true that it can ding ya, however even if you get dinged from a reage, it is typically not a big ding from what i understand.  to have a score consequence from a lost/stolen does seem rather inappropriate. 

DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
Message 5 of 11
smo65d11
Regular Contributor

Re: Lost/Stolen Credit Card

any idea of how much of a ding?  3 points, 20, more?

 

and if I am re-aged, can I dispute it/GW it to have it corrected?

Message Edited by smo65d11 on 12-15-2008 10:35 AM
Message 6 of 11
FretlessMayhem
Senior Contributor

Re: Lost/Stolen Credit Card


@smo65d11 wrote:

any idea of how much of a ding?  3 points, 20, more?

 

and if I am re-aged, can I dispute it/GW it to have it corrected?

Message Edited by smo65d11 on 12-15-2008 10:35 AM

 

I don't think it is much. I'm not sure if an additional TL due to loss of a CC is GW-able. Does anyone else know?

Here we go again...
Message 7 of 11
smo65d11
Regular Contributor

Re: Lost/Stolen Credit Card

this happens to be my longest reporting tradeline (12 years), my other cards/credit are all within the past 3 years, so this is a pretty important item for me!
Message 8 of 11
Chopbrocoli
Established Contributor

Re: Lost/Stolen Credit Card

I pulled my experian report and nothing has change except the account number. Credit limt, pymt history, and date opened is the same. No score ding from EQ score watch...
AMEX Gold Premier Rewards | SPG AMEX | Bank of America Power Rewards | Merrill Plus | United Presidential Plus | Saks World Elite
Message 9 of 11
clocktick
Valued Contributor

Re: Lost/Stolen Credit Card

When my Paypal card expired I never received a new one.  I called them up and they immediately canceled my card stating I should've received a new one by now.  Afterwards I got a new one with an entirely different account number.

 

My CR shows the old one "lost/stolen" AND the new one with the old one's account history.  I did not notice any drop in score as my score fluctuates here and there so even if there was, it was only a couple of points.

Message Edited by clocktick on 12-15-2008 01:55 PM
11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


Take the FICO Fitness Challenge

Message 10 of 11
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.