What do I do next?

[Anonymous]

I have a CC with Household Bank and after getting my CR I noticed that Household bank is showing that I had a second card with a different account number. It shows the second account as opened in 1/2007 and closed as of 6/2007. I never had a second card. I called them just now and the lady on the phone told me I only have 1 account on record which is the one valid account that I use now. So would my next step be to dispute the other account with EQ?

[llecs]

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moodringgrl wrote:

I have a CC with Household Bank and after getting my CR I noticed that Household bank is showing that I had a second card with a different account number. It shows the second account as opened in 1/2007 and closed as of 6/2007. I never had a second card. I called them just now and the lady on the phone told me I only have 1 account on record which is the one valid account that I use now. So would my next step be to dispute the other account with EQ?

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Are there any lates or baddies associated with it? Do you think it impacted your average age any; in other words, do you have any accts younger than this one?

Some folks have disputed resulting in a deletion of not only the bad acct but the good acct as well. Be careful. I'd deal with HSBC directly on that one if I had to.

[Anonymous]

The CL say 300 high balance was 160 which is funny cause I never had the account and balance is 0. So should I really just do nothing about it on my CR? I already called Household they said they only have 1 account on record.

[llecs]

I would be bullish on this one. I'd pull 2-3 of my reports to piece together the full 16 digit acct number and I would call over and over with that number to get a full (albeit short) history of that acct. Including old receipts. Maybe you can localize where the purchases have been made. Somehow someone got ahold if your info. Though, I do really think it is a computer error of some sort. Why would a thief go to the trouble in paying off your CC then to close it?!

[Anonymous]

Just looked at another CR and still doesnt show the last 4 digits of the account number. I about to call them again. Should I ask the person on the phone to please delete this from my CR even though they say they have no record or would a GW letter maybe work?

[Anonymous]

file a dispute with all CRAs reporting  *NOT MINE*     Because of the CL on that card it is helping your UTIL soooooooo  if it is deleted you might see a score drop. Then on the other hand IF anyone uses that card and the UTIL goes up....it could hurt your scores more.

[Anonymous]

the cl is helping my score even though the account is closed?

[cobra19]

Agree with HD..............'cept I'd dispute as "inaccurate or incomplete information". My experience with disputing as "NOT MINE", is that it results with a fraud alert placed by all three CRA's.