Unusual alert from Experian

[Anonymous]

I received this credit alert from Experian today:

Dormant US BANK Bank Card is Now Active

New activity on your previously dormant US BANK account was reported.

I have two US Bank credit Cards. I use both regularly and have for the last several months. Neither card has ever gone dormant.

I don't see anything new on my credit report.

Any idea what this alert means? Do I need to do anything?

[Priory_Man]

Had you stopped using one for a period of time, and even though its been used over the last month or so, could it possibly be now just hitting your CR?
I would keep an eye out for any alerts over the next few days just to be on the safe side.

[Anonymous]

No, that's just it. I have used both US Bank cards every month for the last year.

Both cards report on CR every month. Last time was Dec 3 2018.

[Anonymous]

I meant Dec 30th, not Dec 3rd.

[SOGGIE]

I suggest you check the return email path of this email to determine whether the email is legitimate or phishing correspondence. If it is phishing/spoof, forward the email to the credit card issuing bank, i.e. spoof@americanexpress.com. Search online or call your bank to find out where to forward spoof email bearing their trade name. DO NOT click on links or attachments in the email.

[Anonymous]

The alert is actually on my Experian account, not on an email. But thanks for the reply.

[J-F168]

Yeap, happened to me when I used jared card / comenity in december.

[Anonymous]

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@J-F168 wrote:

Yeap, happened to me when I used jared card / comenity in december.

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It just seems odd. I dont know if I should be concerned or not. I guess I will just wait and see.

[Anonymous]

You said you have been using them, but are you reporting a balance every month? I believe USB reports the balance on the last day of the month, not the statement balance, if your due date is few days before end of month, it's possible $0 balance is being sent to CRAs even if there is usage and statement balance.

[Anonymous]

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@Anonymous wrote:
You said you have been using them, but are you reporting a balance every month? I believe USB reports the balance on the last day of the month, not the statement balance, if your due date is few days before end of month, it's possible $0 balance is being sent to CRAs even if there is usage and statement balance.

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Thanks. They both report on the last business day of the month. Due dates are 22nd and 24th of the following month.  I rotate use of them as my AZEO so at least one posts a balance on report. FWIW I just checked my updated report and still no changes.