No. of Recommendations: 0

Thank you so very much for your detailed response! It was my bad not to mention more details about the incorrect listing on my CR. This is from a credit card that I had opened way back in 2000/2001 time frame. The card was issued by Associates Bank, which I believe was later acquired by Citi. The credit limit for this card was $300, but in the highest balance the CR shows an amount of $676. This is what I'm furious about because I cancelled the card without ever using it and also within a time frame of less than a month after receiving it.

So this opens up another can of worms, if I applied for it in 2000/2001 why would it show up on my account till 2016? I thought the time frame for showing closed/active accounts is 10 years? Could it be possible that since Associates was acquired by another bank they somehow screwed up the listing?

I am going to follow your suggestions and see how quickly Equifax/other CRA's can help me with this.

Thanks again so much and apologies for any confusion I might have caused in my original post.
Print the post  


UGC Disclosure Notice Regarding Credit Card Posts
Community board discussions about credit cards are not provided or commissioned by banks who may have advertising relationships with The Motley Fool. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
TMF Credit Center
The Motley Fool Credit Center arms you with real tools and simple messages, that will help you in every credit situation.
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.