OK, check this out:
I finally ordered all three of my credit reports for the first time in years so that I can now ride the credit repair rollercoaster, hands in the air, shrieking all the way. On reviewing them, I discovered a very interesting account entry on EX, but it was not listed on TU or EQ. Under the name of my credit union, there is an account entry with a truncated account number that I do not recognize. It is glaringly & obviously not mine. Here is what it says:
XYZ Credit Union
Date Opened: 9/1994
Reported Since: 9/1994
Date of Status: 9/1997
Last Reported: 9/1997
Type / Terms / Monthly Payment:
Revolving / NA / $0
Credit Limit or Original Amount / High balance: $7,975,767 / $1,351
Status: Paid / Never Late.
This account is scheduled to continue on record until 9/2007.
Now, obviously, I would remember if I ever applied for--let alone received--a credit line for almost $8 MILLION. And if you saw the rest of my credit report, you would know that not only is this a huge joke, but I would have tapped that line just a little bit before I developed so many fulfilling and sweet relationships with a whole army of collection agents. (They need so much time and attention; it is sooooo exhausting to be a good, attentive friend to each of them... ;) ha.
So, here is what I want to know: what is the significance of this entry, and how might it have been affecting my whole credit report all this time? What should be done about it? Although I don't have my EX score, I can list my scores for the other two CRAs (that do not list this account) to give you an idea of where it *should* be, more or less...
As I am a complete newbie who has only recently received all 3 of these, I have done nothing yet with my reports. What do you think of this entry?!?! I've been laughing maniacally about this ever since I opened the envelope this morning...