What happend to my credit - this is nuts.

[Anonymous]

My house is paid off, car is paid off so my only reporting credit was my banks VISA unsecured credit card with a $21000 limit and a current $3000 balance.  When I checked my credit scores about 9 months ago two of the reporting agencies had me in the 800's and trans had me in the mid 700's.

I checked my scores last month at FICO an I was not able to get any scores, the response was there was not enough history to generate a score and I was not charged for the attempt. I thought this was odd so I got all three reports and was surprised to find my bank is not reporting my credit card and to make matters worse the entire history of the credit card is now completely missing from all three credit company's. Iv had this card open in good standing since 2005 and the current expiration date is not until 2012.    

I went to my local bank branch and spoke with the branch manager about my situation and was informed they report all credit cards to the three reporting agencies. I showed him the three credit reports and his response was they did not look real so I challenged him to do a soft inquire on the scores, he tried and could not... HA HA. Then to my amazement he said "CREDIT SCORES DON'T REALLY MATTER" I insisted he needs to fix this and he said he would call me in a few days. He did call me and told me he was still looking into the matter and he would give another call in a two days, he never called back. Iv since called the bsnk back three times but he's never available and seems to not get the messages I called and ask for him to call me.

Iv been with this bank since I was 13 years old and I have seven account with this bank so if anyone is going to suggest taking up this situation with my bank there you go.

So here I am, 50 years old with no credit, I could not get a cell phone if I needed one without a $500 deposit.

My auto insurance is coming up for renewal in two months, will they even offer with no credit score? I had planned to buy a new car in January, I bet that will go well.

Any suggestions would be appreciated. Thanks.

[Anonymous]

This is a local bank? 

I would find out their executives.  Send the guy a certified letter, recounting everything you said here.  Explain that you expect an answer, in writing, within fifteen days.  Explain that you have been very disappointed in the level of customer service in this instance, and that this has not been the typical response that you have come to expect from this bank.

Escalate to the executives, as necessary, with copies of the previous letter(s).

If you get the chance to talk to the guy again, see if he can give you any information about a credit department, or even an underwriting department.  Those folks might have some other ideas about how to fix it.

Hope this is resolved quickly!

[Anonymous]

It is very possible that you have a split file.

[onthemove]

What's a "split file"?

[llecs]

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onthemove wrote:
What's a "split file"?

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If a given report (esp. TU) has multiple TLs and multiple inquiries (hard and esp. soft), the computers at the CRA will mistakenly dump accounts off your CR. So, one day you have your open CCs reporting and the next day you don't. This would obviously result in a score change. It seems to be fixed by clearing off old soft inquiries, but is a pain in the butt to get resolved. If you have several TLs reporting, it is always wise to pull a new report directly from the CRA every 4-6 months to have as a backup in case they have a tough time recovering the info.