Hello, I just joined cw and was looking at report. I found an account i don't know nothing about and it is open with 900 limit..This is the major ?..I notice that nextcard has my limit at $6,000 but has my high balance at $6,036..When i first joined my account went over the limit because they failed to add BT fee's on the first statment.They did it on my second statment and also gave me a over limit fee as well..I called the bank and asked what the 81 dollar charge was..They said Bt fee and the OL fee..Anyways they took off the OL fee because the BT fee was billed late but now my experian report reflects i was over my limit..I had investigated it last night and today it says it was confirmed..Doesn't this effect my credit for there mistake and experian wont fix it..What to do???
Nextcard will update with the correct amounts at their regular time, or you can dispute that the balance is incorrect, and force them to update. Re the account that you don't know anything about, is there someone with access to your personal information who might have opened an account without your knowledge? If you are not getting any bills, find out what address is being used for mail, and whether there are authorized users on that card. That should help. If there isn't any account of yours that could explain this, then obviously there is either a mixed credit file, or someone else has opened an account in your name.
