Return to the Household Finances Forum
| Post a Follow-Up
Question on Credit Score Report
| | |
Posted by jannie (My Page) on Wed, Jan 16, 08 at 10:27
| Last December, in the midst of my Christmas shopping,I couldn't find my Mastercard. I called the issuing bank and got a replacement in about a week. I recently got a free credit report and it shows "Stolen/lost card." Does anyone know if this impacts my crdit score in any way? It shows I'm a little forgetful, that happens when you're over 50,I guess. |
Follow-Up Postings:
RE: Question on Credit Score Report
| | |
| I don't see why it should matter whether it affects your credit score. You can't go back in the past and unlose the card. |
RE: Question on Credit Score Report
| | |
| more importantly is does the NEW card number show the original open date or teh date that you got the new card? for example, i had my wallet stolen several years ago. i reported all my cards stolen and got new ones. Discover and First USA both reported the old numbers as lost/stolen and teh new ones with a open date of when i got the cards. this decreased my FICO instatnly because i lost several YEARS of age on my TL. if you wish to see you current score, the ONLY place to get the real score is to go to MYFICO.com and pay for it. remember, if it does not SPECIFICALLY say this is a FICO score, then it is an inhouse score for whatever service you are using and may differ greatly to teh good or to the bad from you rreal scores that lenders look at. |
RE: Question on Credit Score Report
| | |
Jannie,
No... the lost/stolen card annotation has no effect to your scores. All the best,
Dave Donhoff
Strategic Equity & Mortgage Planner |
RE: Question on Credit Score Report
| | |
| Thanks for the info! I remember when we bought our house and applied for a mortgage, my credit report was good except for a couple of late payments. I had to write a letter "explaining" them for the bank. Don't remember what I said, but we DID get the loan approved. |
|
|
|
|
