Need help understanding credit alert (EQ): "Amount in H/C column is credit limit"

[TheToddler]

I subscribe to both Equifax ID Patrol Premier and Identity Guard Platinum. Both sent me alerts in the past day saying there was a change to an existing account on my Equifax report.

The Equifax ID Patrol Premier alert said:

The following changes were reported for your BANK OF AMERICA account :
Comments on your account changed from Credit card , Amount in H/C column is credit limit to Amount in H/C column is credit limit

The change only appears to be that the phrase "Credit card, " was removed from the beginning. Yes, there is a space before the comma.

Secondly, this comment never previously appeared on my Equifax credit report, so how could it have changed? And thirdly, I have pulled my Equifax report twice since this alert, and the comment still does not appear in my actual report.

When I click on "more details" in the Equifax alert, the number in the high credit field shows my actual credit limit. There is no credit limit field. But on my actual Equifax credit report, there is both a "high credit" field and a "credit limit" field, and they're both correct.

The Identity Guard alert didn't tell me what was changed, only on which account and that the reporting agency was Equifax, although the "Amount in H/C column is credit limit" line does appear in the "Narrative Code 1" field of the alert. On Identity Guard's credit reports, there is only one field that says "High Balance / Credit Limit," and it only contains one number -- in this case my credit limit. The phrase "Credit Card" appears in the comments field of the Equifax section of my credit report.

I called Bank of America and they said no changes have been made to my account. I called Equifax's Atlanta office and they couldn't explain it either, saying Bank of America did not send them any information on the day the alert was issued. The last time Bank of America sent them any information was three days prior.

I've seen a few threads here referencing the term "amount in H/C column is credit limit," but they are at least five years old and provide no insight into the current situation.

Thanks to anyone who can shed light on this.

[llecs]

Was the TL disputed?

What kind of BofA CC is it?

[TheToddler]

Nothing has ever been disputed on that account. It is a Bank of America BankAmericard Rewards MasterCard. I just pulled my Equifax credit report again -- 48 hours after I first received that alert -- and the comment is still not showing up on the actual report, and the high credit and credit limit fields continue to be accurate.

[llecs]

If I had that, I wouldn't worry about it. Per FICO, it doesn't mean anything. Maybe the CC decided to update their reporting. I've seen the same comments on my cards in the past, but it's a function of EQ only.

[TimeToRecover]

Is your card a sig card that in the past did NOT report a credit limit.  If so BofA is now reporting the valid credit limit on these cards.  This just changed this month and is still being rolled out.  My Sig card only reported my current balance as the limit until my statement cut this month.  Now my CR show the actual credit limit. 

So thats what you need to look at is if that is now your actual credit limit.  BofA did not change anyones account just a change to how they report the limit.

[TheToddler]

I'm not sure what a sig card is but I'm pretty sure this isn't one of those cards, as the credit limit has been reported all along. I just pulled my Equifax report again today -- a week after I got the alert -- and that comment still isn't showing up on the actual report, and the credit limit and high credit continue to be separate (and accurate numbers).

[AndySoCal]

Equifax has a fiield called High Credit  that can to possible values either the Credit limit or high balance amount. The comment is defininf which value the field contains. So if you Equifax report has a field called high credit and you see the comment on the trade line you know what the value is. The comment is nothing to be concerned over.