Help! Replacement Discover Card

[Anonymous]

My spouse lost his discover card (he is an authorized user on my account). We reported it lost and discover said they're sending new cards with a new account number. We have only had this card for 8 months. My concern is how will the new account report yo our credit? Will it cause two accounts to report (old and new) and therefore lower our average account age?

we are trying to buy a house in the next six months so a little worried

[Shooting-For-800]

It will not affect the age of your account.

Congrats!

[Anonymous]

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@Shooting-For-800 wrote:

It will not affect the age of your account.

Congrats!

Do you know how it will report? Will it show two accounts?

[ChargedUp]

Replacement cards are not reported to any bureaus. Your reports will not know the difference. 

[Anonymous]

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@ChargedUp wrote:

Replacement cards are not reported to any bureaus. Your reports will not know the difference. 

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Is that true even though they are giving a new account # ?

[FinStar]

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@Anonymous wrote:

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@ChargedUp wrote:

Replacement cards are not reported to any bureaus. Your reports will not know the difference. 

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Is that true even though they are giving a new account # ?

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Yes.

[Anonymous]

Lost my Discover Card and had to obtain a replacement. They sent it with a new account number but the bureaus did not seem to even notice (no affect) for me.

[SoCalGardener]

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@Anonymous wrote:

My spouse lost his discover card (he is an authorized user on my account). We reported it lost and discover said they're sending new cards with a new account number. We have only had this card for 8 months. My concern is how will the new account report yo our credit? Will it cause two accounts to report (old and new) and therefore lower our average account age?

we are trying to buy a house in the next six months so a little worried

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Nothing to worry about! As others have said, this will not report as a new account--and even if it did, you're only looking at an 8-month history! So, really, no worries here at all.

BTW, I've had multiple cards replaced with new account numbers (fraud, suspected fraud) and they NEVER got reported as new accounts.

[Iusedtolurk]

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@Anonymous wrote:

My spouse lost his discover card (he is an authorized user on my account). We reported it lost and discover said they're sending new cards with a new account number. We have only had this card for 8 months. My concern is how will the new account report yo our credit? Will it cause two accounts to report (old and new) and therefore lower our average account age?

we are trying to buy a house in the next six months so a little worried

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I have had 3 cards replaced due to unauthorized charges and all that happened on my credit reports was that the account numbers were changed. Everything else remained the same.

The last one was Disco about 3 months ago. Got the replacement card the next day after account closed and everything was smooth transition. No old account/new account double reporting.

[EAJuggalo]

I've had a few cards replaced due to loss or fraud.  The only time it's ever shown up as a new account was a Sync/Walmart/Mastercard.  I lost that card in the first 4 months, it was re-issued and I now have a closed and an open card on my report.