Score Dropped +100 points, no negs

[Anonymous]

failed online ID verification because I couldn't remember credit card application date; requested report via mail almost two weeks ago; still waiting

[Anonymous]

you can call up chase and ask them what the date was when you opened your account, then maybe you can online verify to see the reports online with that info.

[Anonymous]

the online ID verification system doesn't allow do-overs, which is one of the few things in this entire frustrating experience that has made complete sense to me...

[Anonymous]

good luck, it sounds like a total nightmare! i hope they're sending you all 3 of your reports not just one. equifax, experian, transunion.

i have one last thing that you can try doing. if you have been buying things on that card it will have a balance right now. just call up chase to ask them to do an off-cycle report. that could bring your credit reports and scores back to life immediately within a day or two.

[Anonymous]

Thanks. For the record, I just checked my recent statements, and as recently as the August 21 closing date (which Chase confirmed as the reporting date), I did have a balance of about $82.00, so the issue does not appear to be that my account simply never reflects a balance on the reporting date, causing the card to appear unused.

[iv]

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@Anonymous wrote:
Thanks. For the record, I just checked my recent statements, and as recently as the August 21 closing date (which Chase confirmed as the reporting date), I did have a balance of about $82.00, so the issue does not appear to be that my account simply never reflects a balance on the reporting date, causing the card to appear unused.

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Even if the card did report a $0 balance, that wouldn't exclude it from counting for the "At least one account that has been reported to the credit bureau within the past six months".  Reporting a $0 balance... is still reporting. As long as the "Last Updated" date is recent, the account is reporting.

I noticed a comment above that implies that this account may(?) be marked as in dispute currently, though.  If it is actually in dispute, it is temporarily removed from the FICO scoring calculations - and if it's your only open account reporting in the last six months, you will no longer be scorable, at least while that account remains in dispute status.

Get that dispute removed, and you'll almost certainly get a score again.

[Anonymous]

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@iv wrote:

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@Anonymous wrote:
Thanks. For the record, I just checked my recent statements, and as recently as the August 21 closing date (which Chase confirmed as the reporting date), I did have a balance of about $82.00, so the issue does not appear to be that my account simply never reflects a balance on the reporting date, causing the card to appear unused.

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Even if the card did report a $0 balance, that wouldn't exclude it from counting for the "At least one account that has been reported to the credit bureau within the past six months".  Reporting a $0 balance... is still reporting. As long as the "Last Updated" date is recent, the account is reporting.

I noticed a comment above that implies that this account may(?) be marked as in dispute currently, though.  If it is actually in dispute, it is temporarily removed from the FICO scoring calculations - and if it's your only open account reporting in the last six months, you will no longer be scorable, at least while that account remains in dispute status.

Get that dispute removed, and you'll almost certainly get a score again.

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Thanks; the account isn't in dispute per se - the notation I referenced was made by Chase AFTER I became aware of the dramatic drop in score and called them in a panic, wondering what the heck they could have possibly reported to the bureaus to cause that.

[Kidcat]

Because of the messages you are getting, I suspect your Experian account is frozen.  

I do not know if this has already been suggested but have you tried getting a 3 bureau from Myfico.  Although they at times cannot pull through an Experian freeze, you should be able to see your Transunion and Equifax.  It will cost you money, but may provide some clarity.

Good luck and getting some answers on what appears to be an extremely frustrating endeavor.