Why is my credit card not showing on my credit report?

For just about anything you want to get off your chest about credit cards.
5 posts
Jxs5869
Green Member
Green Member
 
Posts: 4
Joined: Sun Jul 28, 2013 10:59 am
Location: Philadelphia

Why is my credit card not showing on my credit report?

Postby Jxs5869 » Sun Jul 28, 2013 11:16 am

Hello, I currently have 2 credit cards that are made under my name that I made few years ago. But when I checked my credit score I noticed it was in the 500s and said that I didn't own any cards.

I was expecting a higher score because I never missed a payment on these cards or have done anything to hurt my score.
I found about this problem when I applied for discover card(avg credit) , I was rejected for insufficient credit history. (I also go rejected for boa cash rewards card). This didn't make any sense considering how long I had my other credit card and how much I used it (chase slate and boa) .

Not too long ago, my brother checked his credit report and found out there was 6 credit cards under his name when he had 4 cards. This got me wondering, did they get confused with me and my brother.? I don't know how this would happen considering the different ss number. But we do have similar names.

Can anyone help me to fix this issue?
I've been using credit card for a while and recently realized that I wasn't building any credit...


MemberSince99
Centurion Member
Centurion Member
 
Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Sun Jul 28, 2013 2:21 pm

Have your brother see if the accounts in question are actually yours.

If so contact the lender and explain the situation that they are reporting under your brother's credit instead of yours and they should be able to get it straightened out.

Jxs5869
Green Member
Green Member
 
Posts: 4
Joined: Sun Jul 28, 2013 10:59 am
Location: Philadelphia

Postby Jxs5869 » Wed Jul 31, 2013 12:20 am

Okay, I will contact the lender.

But lets say, when I apply for a card elsewhere, they only see my account which says that it had 0 cards.. and I get rejected from no credit history? how can I fix this issue?

Jxs5869
Green Member
Green Member
 
Posts: 4
Joined: Sun Jul 28, 2013 10:59 am
Location: Philadelphia

Postby Jxs5869 » Mon Aug 05, 2013 2:42 am

bumpppppp...

User avatar
djrez4
Centurion Member
Centurion Member
 
Posts: 1468
Joined: Tue Jul 31, 2012 12:20 pm
Location: United States

Postby djrez4 » Mon Aug 05, 2013 3:20 pm

Jxs5869 wrote:Okay, I will contact the lender.

But lets say, when I apply for a card elsewhere, they only see my account which says that it had 0 cards.. and I get rejected from no credit history? how can I fix this issue?


You can't. Get the mis-reporting issue fixed, as per the above response. Don't apply for anything else until it's fixed and your cards are reporting properly. Then, you won't need to fix anything else.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
[/RIGHT]



Return to “General Credit Card Talk”

Who is online

Users browsing this forum: No registered users and 2 guests