I have lost 2 cards in my life both within the past 3 years.
Both were Sync cards Walmart and JCPenny.
Within a few weeks after reporting it lost/stolen it looks like it was split into 2 accounts.
1 Marked as closed $0 balance with all the history on the card.
The other marked as opened also with all the history on the card.
I wonder if it acts this way with all cards or if that's just Synchrony?
Given the way that it is behaving for me wouldn't it make sense that:
- If you can use additional positive trades
- and the account has been open long enough so that it will help not hurt your AAoA
- Why not report it lost/stolen and get the extra postive tradeline reporting?
There are too many changes on my report to see if there was any point increase as I have paid down a lot of debt, aged off some inquiries and had other accounts age > 2 years.
What are your experiences and thoughts?
Has anyone reported Comenity and Visa/MC lost/stolen and how does it report for you?
