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Unusual alert from Experian

MonroeParker
New Member

Unusual alert from Experian

 
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?

Starting Score: 712
Current Score: 771
Goal Score: 800


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Message 1 of 11
10 REPLIES 10
Priory_Man
Established Contributor

Re: Unusual alert from Experian

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.





~~ Former Royal Navy Submariner - Proud to have served ~~
Message 2 of 11
MonroeParker
New Member

Re: Unusual alert from Experian

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.

Starting Score: 712
Current Score: 771
Goal Score: 800


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Message 3 of 11
MonroeParker
New Member

Re: Unusual alert from Experian

I meant Dec 30th, not Dec 3rd.
Starting Score: 712
Current Score: 771
Goal Score: 800


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Message 4 of 11
SOGGIE
Valued Contributor

Re: Unusual alert from Experian

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.

Life was a lot simpler when what we honored was father and mother, rather than all major credit cards. ~Robert Orben

SCORES: Excellent · 830 to 848
INQUIRIES: 0
UNIVERSAL REVOLVERS: $200K Club
NUMBER OF CC ACCOUNTS: Less than 10
CARD USAGE: Minimal
CREDIT HISTORY: Very Lengthy · Seasoned Accounts
INCOME: Sufficient
UTIL: 1-2%
PYMTS: 100% Positive · Always PIF · AZEO
INSTALLMENTS: No thanks!
ASSETS: 100% Equity
TOTALLY REFUSE TO: Pay Interest or Annual Fees, Combine Accounts, Reduce Limits, Submit 4506-T, SCT, App Spree, Accumulate Inquiries, Do business with Comenity, Synchrony, Cap One, Wells Fargo, Citi, Barclays or any other credit-cancerous lending institutions
Message 5 of 11
MonroeParker
New Member

Re: Unusual alert from Experian

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

Starting Score: 712
Current Score: 771
Goal Score: 800


Take the myFICO Fitness Challenge
Message 6 of 11
J-F168
Frequent Contributor

Re: Unusual alert from Experian

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

EX 713
EQ 700
TU 679br >BK 7 D/C Dec. '16.
Message 7 of 11
MonroeParker
New Member

Re: Unusual alert from Experian


@J-F168 wrote:

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


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

Starting Score: 712
Current Score: 771
Goal Score: 800


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Message 8 of 11
oldman87
Valued Contributor

Re: Unusual alert from Experian

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.
Message 9 of 11
MonroeParker
New Member

Re: Unusual alert from Experian


@oldman87 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.

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.

Starting Score: 712
Current Score: 771
Goal Score: 800


Take the myFICO Fitness Challenge
Message 10 of 11
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