cancel
Showing results for 
Search instead for 
Did you mean: 

Help needed for TL reported twice to Experian!

tag
Streetervillelady
Frequent Contributor

Help needed for TL reported twice to Experian!

My sister was approved for a Chase card 2 weeks ago.  Experian CreditMatch alert said score dropped 9 points after the inquiry and 9 points after the addition of a new Chase bank card.  Yesterday she recieved a second alert for a new Chase bank card. Tonight she received an alert that her score dropped 9 additional points.  CreditMatch shows only one new account.  How do you dispute this? 

 




Message 1 of 4
3 REPLIES 3
Anonymous
Not applicable

Re: Help needed for TL reported twice to Experian!

You said Experian only shows one tradeline. So it actually was not reported twice. The only thing that happened twice is the alerts. Which don’t mean anything other than the system sent you second alert (which happens if you don’t click the first one).

 

What was her score before the app, and what is her score now?

Message 2 of 4
zerofire
Valued Contributor

Re: Help needed for TL reported twice to Experian!

I agree with Morpho. The only thing guaranteed is that you got two alerts. The only way to know for sure is to pull the report. I understand that getting a alert repeating is uncommon but it can happen. I am also aware that some places do multiple HP's but Chase is not one of them.
TU:816 12/19/24 Bank of America--EX: 809 01/03/25 Experian--EQ:836 01/06/25 myFICO--Gardening since N/A
Active:
Bank of America (Customized Cash Rewards VSC, Customized Cash Rewards WMC{PT}, Unlimited Cash Rewards WMC{PT}), Capital One (Discover It DC, Savor WEMC), Chase (Amazon Prime VSC, Freedom Flex WEMC [x2], Freedom Unlimited VC{PT}), Citi (Custom Cash WEMC, Dividend MC), Citizens GreenSense WMC, Curve WEMC{S}, FNBO Ducks Unlimited VSC, GBank VSC, PenFed Pathfinder Rewards VSC, Santander Ultimate Cash Back WMC, Synchrony PayPal Cashback WMC, UMB Simply Rewards VSC[Milford Federal], US Bank (Cash+ VSC [x2], Kroger Rewards WEMC, Pick n Save/Metro Market Rewards WEMC, Shield VC)
Wishlist: AAA Daily Advantage, AOD Signature, Bellco Colorado Rewards, Nusenda Platinum Cash Rewards, PCMCU Platinum Rewards, Redstone FCU Signature
Message 3 of 4
Streetervillelady
Frequent Contributor

Re: Help needed for TL reported twice to Experian!


@Anonymous wrote:

You said Experian only shows one tradeline. So it actually was not reported twice. The only thing that happened twice is the alerts. Which don’t mean anything other than the system sent you second alert (which happens if you don’t click the first one).

 

What was her score before the app, and what is her score now?

 

Her score was 686 on 1/31.  She applied and was approved for the card on 2/1.  The next day CreditMatch sent 2 alerts, 1 inquiry and a score drop of 9 points.  Days later she received 2 alerts, a new bank card reported and a 9 point score drop.  Friday another bank card report alert.  Yesterday CreditMatch sent an alert that her score dropped another 9 points to 659.





Message 4 of 4
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.