Credit Card Never Received But It's On My Credit Report!

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Credit Card Never Received But It's On My Credit Report!

Postby thorton » Fri Jul 15, 2011 4:10 pm

Hi everyone. Just looking for some advice before I start mailing letters to Equifax and Capital One.

Back in Dec 2008 I applied for a Capital One Credit Card and was approved. It never received it in the mail though. In January I called them and asked where it was, they told me it was mailed out, since I didn't get it I asked them just to cancel the account. They said ok and that was the end of it I thought.

Fast forward to this week. I get a copy of my Equifax. It's my first one since 2008 (I know..I know) and this Capital One credit card is listed on there. Account opened Dec 20008, no payment Jan, Feb, March, April. Last Activity in April 09, Account closed with balance paid in Dec 09.

It's the only really black spot on my credit score and I'm thinking its affecting it.

When I send this dispute letter off to Equifax and Capital One is there anything I should say specifically? It seems odd that I would be missing payments on a card I *never* received or activated.

Sorry if this is in the wrong section also


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Postby jeffysdad » Fri Jul 15, 2011 5:20 pm

Unless it says you've paid late/failed to pay, it won't hurt you. The report apparently reflects the time the card was opened before you canceled it. It should not show that there was ever a balance. It should also show that it was closed or closed at customer's request. As long as this is the case, don't worry about it.
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Postby thorton » Sat Jul 16, 2011 9:23 am

Hi Jeffysdad

Thank you for helping :)

This is the actual listing

Phone Number: (800)728-3277
High Credit/Credit Limit: 000000000500
Account Number: XXX
Payment Amount: Not Available
Association to Account: Individual
Balance: $0.00
Type of Account: Revolving
Past Due: $0.00
Date Opened: 2008-12
Date of Last Activity: 2009-07
Status: Paid as agreed and up to date
Date Reported: 2009-08
Months Reviewed: 04
Payment History:
No payment 30 days late
01 payments 60 days late
02 payments 90 days late
Prior Paying History:
At least 120 days past due ( 2009-07 )
Three or more payments past due ( 2009-06 )
Two payments past due ( 2009-05 )
Comments: Closed by credit grantor
Account paid

As you can see it has numerous late payments. Any suggestions?

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Postby Mogul of Pineapples » Tue Aug 02, 2011 9:34 pm

That's very unusual. If you applied for the card and never used it, but someone else did, then I am guessing the means it might have been stolen out of your mailbox. Whatever the case, as long as this isn't you disputing it should be fairly straightforward.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

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