Equifax TrustedID Updated tradeline

[Anonymous]

Hi there,

Good day! I have a concern about my TrustedID account. Recently I got an "Updated tradeline" alert type yesterday from Citicards CBNA. The "Account Type/Status" column says "Amount in h/c column is credit limit". And it shows a Balance of "$USD 85.0". I had a Citicards credit card years ago but it has been canceled already, and I haven't had any recent transactions with Citicards for at least a year. I called TrustedID and they said to call Citicards. I called Citicards and they said they don't see anything from their fraud department that shows a credit pull or any activity recently.

Could anyone please tell me what this alert is about? I'm wondering where it came from, and why it shows an $85 balance. Please help! Thank you!

[Anonymous]

Yes, me too, same message. Old credit card from Chase (closed), balance $0.0 What would be the reason for an updated tradeline? Incident happened yesterday and just now received the alert from TrustedID, 2:00 PM the following day. Please help!

[Anonymous]

Same thing here. My balance is showing $178.00.

[Anonymous]

What the freak is going on? Posting here has not been helpful. I'm going to go talk to smarter people than me tomorrow. I'll post if I get any answers and I'd appreciate it if both of you will as well if you get any answers. Here's a thought.I'm going to change the subject line to see if we can catch the attention of the people that might know stuff.

[Anonymous]

My situation is resolved, I think. Trusted ID said call Chase but 2 somewhat helpful pieces of information are one, if you switch your report from locked to frozen, creditors will not be able to make updates without contacting you first and two, your accounts with the little green Equifax checkmarks are the ones that are open, but I found that helpful more as a guideline than a hard and fast rule. Chase said they updated my tradeline to indicate they had closed my account due to inactivity, even though I could have sworn I closed it myself two or three  years ago. And since the tradeline reported $0 balance and Chase confirms they closed the account, I believe it is over for me. I hope you both find satisfactory answers as well.

[Anonymous]

Hey thanks for replying. I actually had called TrustedID and they told me to contact Citibank. When I did that, they said there wasn't anything on their end showing a balance and I currently have no accounts open with them, nor were there any recent inquiries/openings. I'm still baffled about why this is showing up, but at least everything else checks out. I'll keep monitoring it.

[Anonymous]

I also got a tradelines update alert but on an open account. Also with Citibank. The balance differs from my actual balance.  I guess I will call Citi but someone should be able to explain why the balances on these alerts are all wrong. Where is that info coming from if the banks say it's not them?

[Anonymous]

I was able to solve my issue. The balance reported was from the last statement, which is often not the same as the current balance. Equifax FAQ on these alerts states that they are not in real time, but based on when the change is reported to the credit bureau. So in my case, this is nothing more than the bank reporting my statement balance, which I assume is routine.

[Anonymous]

Today, I was notified by TrustedID of Updated Tradeline alerts for my two Citi Cards. I contacted Citi at the number on the back of the cards, and was informed that, because I live in California, I had received "natural disaster" status (from fires and mudslides), and this status was sent to credit bureaus and alerting services. Although I had no personal impact from the disasters, I presume Citi is placing a forgiveness status on all cardholders in the state or effected counties. I believe a similar situation occurred in Texas and Florida for recent hurricanes. Also see thread in this community named: "Affected By Natural Disaster on report".