[rastoma]

I have 3 entries on my CR from Providian but I've only ever had 1 card. I can't tell which entries are hurting me or helping me or if all 3 are hurting me:

I'm using TrueCredit to view my reports. So the first section is the summary and then there is a more details info after it.


Account No.: **********
- Condition: Closed (Transferred)
- Balance: $0
- Type: Credit Card
- Pay Status: Current
(more details)
Past Due:
- High Balance: $6577
- Terms:
- Limit: $5400
- Payment:
- Opened: 04/01/1994
- Reported: 10/30/2003
- Responsibility: Authorized User

I've never been an authorized user on any credit card that I'm aware of. Since past due is blank I'm assuming this hasn't lowered my score but why would it say closed (transferred)?

Here's another Providian:


Account No.: ********** (account number is different than above)
- Condition: Closed (Transferred)
- Balance: $0
- Type: Credit Card
- Pay Status: Current
(more details)
Past Due:
- High Balance: $1895
- Terms:
- Limit: $1400
- Payment:
- Opened: 11/01/1999
- Reported: 11/06/2003
- Responsibility: Individual

And one more:

Account No.: ********** (another different account #)
- Condition: Closed
- Balance: $1579
- Type: Credit Card
(more details)
Past Due: $0
- High Balance: $1601
- Terms:
- Limit: $1400
- Payment: $47
- Opened: 11/01/1999
- Reported: 05/01/2001
- Responsibility: Individual

None of these show any reporting on payments, neither OK, late... nothing... it's all blank.

[jlynn]

Are all 3 CRAs reporting all 3 of these tradelines. Or is each CRA reporting one tradeline?

[rastoma]

Originally Posted by jlynn

Are all 3 CRAs reporting all 3 of these tradelines. Or is each CRA reporting one tradeline?

They are only showing up on one, TU, all 3 there.