Quick question for the experts

[Anonymous]

I have a Target card that I sent a gw letter to and they removed my 30 day lates. Now I look at my report and there is an old stolen/lost target card that was mine, but still shows the lates. How do I handle this? I thank you for your advice in advance!!

[Anonymous]

Nothing?  No one has ever had this or has any advice?

[Anonymous]

---

chiwiseguy wrote:

Nothing?  No one has ever had this or has any advice?

---

The GW letter probably referenced the new account you can resend letting them know thst you understand that all lates would be removed

[Anonymous]

Thanks Brammy!  Do you think it would work to go the other route and dispute with the CRA's?

[Anonymous]

---

chiwiseguy wrote:

Thanks Brammy!  Do you think it would work to go the other route and dispute with the CRA's?

---

Upon further review....

Experian has the account listed 2 times and both are the lost/stolen card with different account numbers.  So, basicly experian doesnt have my current account listed at all!  But back to the problem, 1 is updated with all current, the other still shows the lates.  Should I just dispute the account as not mine?  Should I dispute it as a duplicate?  Should I dispute the lates?  Should I call Target?  What is my best course of action?  HELP!

[Anonymous]

anyone have advice on this?

[Anonymous]

Ok so it looks at if you ma have lost the card.  contact the issuer rto see if they will remove.  I wouldn't deal with the CRAs unless you want to take a chance on them updating the whole shebang as lates.

[Anonymous]

Thanks again brammy, what i was thinking was, because its an account number I never had I would be able to dispute as unknown.  The other account that experian is reporting as lost/stolen is reporting no lates and all the other reporting agency's have it correct also.

[Anonymous]

---

@Anonymous wrote:
I have a Target card that I sent a gw letter to and they removed my 30 day lates. Now I look at my report and there is an old stolen/lost target card that was mine, but still shows the lates. How do I handle this? I thank you for your advice in advance!!

---

---

@Anonymous wrote:
I have a Target card that I sent a gw letter to and they removed my 30 day lates. Now I look at my report and there is an old stolen/lost target card that was mine, but still shows the lates. How do I handle this? I thank you for your advice in advance!!

---

If the account was yours, handle through OC. You do not want to dispute something that is yours and say it isn't. That is as I understand it illegal. I would contact target and have them deal with it. As Brammy said, tell them you thought they would remove all lates. That includes the lost/stolen account.

[Anonymous]

---

@Anonymous wrote:

---

@Anonymous wrote:
I have a Target card that I sent a gw letter to and they removed my 30 day lates. Now I look at my report and there is an old stolen/lost target card that was mine, but still shows the lates. How do I handle this? I thank you for your advice in advance!!

---

---

@Anonymous wrote:
I have a Target card that I sent a gw letter to and they removed my 30 day lates. Now I look at my report and there is an old stolen/lost target card that was mine, but still shows the lates. How do I handle this? I thank you for your advice in advance!!

---

If the account was yours, handle through OC. You do not want to dispute something that is yours and say it isn't. That is as I understand it illegal. I would contact target and have them deal with it. As Brammy said, tell them you thought they would remove all lates. That includes the lost/stolen account.

---

I understand that its illegal to say an account that is yours isn't. Technically, how can an account with an account number that isn't/never was mine be mine? The lost/stolen account had an account number of xyz, my new account number is abc, the account in question is yyz. I contacted Target and they told me to go straight to Experian. I think experian may have duplicated the account and somehow picked up a different account number.