Unknown Account on myFICO

Anonymous · ‎09-26-2014

I have the myFICO 3 bureau monitoring service, and I was told today that there is an account on my Transunion report with an $80 balance. What's even weirder is this account doesn't have a name, it's just called "Bankcard." And I just went and got my credit report directly from Transunion, this account is not there. Does anyone know what's going on here?

onepointatatime · ‎09-26-2014

Hi - your experience is somewhat similar to mine... something strange is definitely going on.. I wonder if TU or myfico were hacked?

Sep 2013: mid 500s | Sep 2014: myfico: EX 539 | EQ 594 | TU 694 || My Rebuilding Journey
myfico, 12/3/2015: EX 666 | EQ 677 | TU 689 | AAoA : 3y | INQs (12/24) EX 11/13 | EQ 5/9 | TU 4/7
Cards: Chase Sapphire Pref. $6K | BoA Travel Rewards $1.6K | Cap1 QS Rewards $7.5K | Priceline $0.5K | Credit Union $2K | Total (5) Revolving CLs: $17.6K
Goal Score 2015: FICO08 800+

AndySoCal · ‎09-26-2014

When you pulled your credit report from TU and MY FICO did you used the same name, address and SSN? Also, what was the time lapsed between the tow pulls?

FIC Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 807 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banking: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO US Bank Wells Fargo

onepointatatime · ‎10-04-2014

@Anonymous wrote:
I have the myFICO 3 bureau monitoring service, and I was told today that there is an account on my Transunion report with an $80 balance. What's even weirder is this account doesn't have a name, it's just called "Bankcard." And I just went and got my credit report directly from Transunion, this account is not there. Does anyone know what's going on here?

Hi grdnwng - I think this mystery's been solved - a myfico rep told me that TU just reported ALL revolving card balances as one single entry and called it 'Bankcard'. It's stupid, IMHO. However at least now we know what it is

Sep 2013: mid 500s | Sep 2014: myfico: EX 539 | EQ 594 | TU 694 || My Rebuilding Journey
myfico, 12/3/2015: EX 666 | EQ 677 | TU 689 | AAoA : 3y | INQs (12/24) EX 11/13 | EQ 5/9 | TU 4/7
Cards: Chase Sapphire Pref. $6K | BoA Travel Rewards $1.6K | Cap1 QS Rewards $7.5K | Priceline $0.5K | Credit Union $2K | Total (5) Revolving CLs: $17.6K
Goal Score 2015: FICO08 800+