On my TU report there is an MC account present that I never activated about 2 years ago. It shows that it was open for 1 month, and I think that this could be hurting my score. I have never contested anything on my reports, but I do not know if there is anything I can do. Is this hurting my score?
It would be a good idea if you can't get it deleted...put personal statement..."CARD NEVER ACCEPTED DUE TO SUCH A LOW CREDIT LINE...HIGH ANNUAL FEE...NEVER USED"...what ever applies. One company had the STUPIDITY of giving me a card 90% lower than the next highest credit limit. I NEVER USED IT, NEVER ACTIVATED IT...