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
