Hey all... Please give me some advice. I checked my experian score and found that my 30-day lates from First USA and Discover were duplicated, because I happened to lose the card on the same month they went 30 days! This is what my account shows: These two are duplicates: BANK ONE-OHIO Account Number: XXXXXXX.... / Date Opened: 06/2000 Status: Card reported lost or stolen/Current, was past due 30 days. BANK ONE-OHIO Account Number: XXXXXXX.... / Date Opened: 06/2000 Status: Open/Current, was past due 30 days. And so are these two: DISCOVER FINANCIAL SVCS Account Number: XXXXXXX.... / Date Opened: 03/1998 Status: Open/Current, was past due 30 days. DISCOVER FINANCIAL SVCS Account Number: XXXXXXX.... / Date Opened: 03/1998 Status: Card reported lost or stolen/Current, was past due 30 days. This really sucks. Has this happened to anyone? The old card (the lost stolen one) is reported late along with the new card, even though the "late" was on the old card!!!! (Ex 629) (EF 559)
A "LOST CARD" does NOT make the LATE go away... I would dispute as "NEVER LATE" and "DUPLICATE" and see what happens.
