Credit Repair, credit score and credit reports

MCYDSNB/VISDSNB - how to dispute a wrong entry in my report?

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Posted: Tue Feb 21, 2006 11:43 am Post subject: MCYDSNB

I also had this on my credit report and it was for Federated Department Stores - Macy's. Lazarus, Bloomingdales. Call 513-398-5221 and they can transfer you to cust service. _________________ Register today to encash debtcc points.

friendly helper
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Posted: Wed Feb 22, 2006 10:35 am Post subject: MCYGEMB and VISDSNB

Hello all, Same story, the diffrence is that I do know I applied for a Macy's card (about a week ago) the second one is the one I did not apply for and it just showed up in my report with the same opening date as the Macy's card, with a pretty high credit limit too. Experian has an online dispute service so I am going to try disputing the information online see what happens, but first I am going to try contacting Macy's see if they know anything about it. Thank you all for sharing this problem here, I got pretty scared earlier when I've seen that entry and I googled it and got here _________________ Register today to encash debtcc points.

luiza
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Posted: Wed Feb 22, 2006 11:26 am Post subject: mistery solved

Hello again, Sorry for the previous posting in the mean while I read the policy at the end of the brochure I got for the Macy's card, thing I should have done earlier, but as you can imagine is somewhere in the back, long story, small letters. It says there that if you apply for a card in store with their express application you will be considered for a VISA card with two accounts, one for Macy's , one for other stores that accept VISA. This happens only if you apply in store and ofcourse are approved for both of them. Hope it helps! _________________ Register today to encash debtcc points.

luiza
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Posted: Thu Feb 23, 2006 10:34 am Post subject: I Had the Same Problem!--Solved!

I had the same problem- VISDSNB and MCYGEMB both showed up on my credit report. I called Macy's- apparebtly they issude a Visa card to all Macy's charge customers. It was just done, they didn't need authorization. Anyway, you have one card but it works for two accountsw with different numbers. One is the VIS (Visa) and the other is the MCY(Macy's) Check your card it should have a Visa logo on it. If you call Macy's they'll cancel the Visa if you want and just send you a regular card. _________________ Register today to encash debtcc points.

Guest
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Posted: Fri Feb 24, 2006 4:42 pm Post subject: MCYDSNB

As some above have indicated, MCYDSNB is a Macy's Charge card. I called and cancelled the account no problem. _________________ Register today to encash debtcc points.

Craig
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Posted: Tue Feb 28, 2006 2:50 pm Post subject:

If you have Macy card, Macy linked two accounts to the card, one is MCYDSxx, to be used inside Macy's; the other is VISDSxx, to be used as a credit card outside of macy's. I just searched online and got the FACS's number and let them close the visa account linked to this card. Macy's behavior sucks. It occupies a high credit limit with no advantages over other credit cards, such as CITI or CHASE dividened. FINANCIAL, ADMINISTRATIVE, AND CREDIT SERVICES (FACS) GROUP 9111 Duke Boulevard Mason, OH 45040 513-398-5221 Hope this message helps. _________________ Register today to encash debtcc points.

pku2yale
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Debtcc Points: 100

Posted: Tue Feb 28, 2006 6:10 pm Post subject: REMOVAL OF MCYDSNB FROM FICO SCORE

Can you help(or point in right direction)to remove from credit report thank,s Mike _________________ Register today to encash debtcc points.

MIKE COCKRUM
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Posted: Wed Mar 01, 2006 11:53 am Post subject:

Mike, It is always suggested to dispute incorrect entries with credit bureaus. You can send dispute letter to bureaus mentioning the item that you want to dispute. Collect a format letter from the Sample letter e-book and send it using certified mail with return receipt requested- http://www.debtconsolidationcare.com/books/ You can also visit this page to see how to dispute with credit bureaus online- http://www.debtconsolidationcare.com/video/disputecreditreportentry.ht ml Hope this helps, best of luck _________________ Read my thoughts about Debt and Credit.

stanley
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stanley

Joined: 30 Sep 2005
Posts: 1714

Debtcc Points: 245

Posted: Fri Mar 03, 2006 3:11 pm Post subject: visdsnb

The same thing happened to me when I opened a charge account at Macy's. The piece about one listing on with the credit bureau for Macy's and another one under VISDSNB was the same for me. It was easy to fix by call Macy's customer service at 1-866-282-8697. They said the sales clerk should have told me when I signed up. If they did tell me I ignored it as I was salivating over the discount I was getting on my purchase too much to listen well. _________________ Register today to encash debtcc points.

justahelper
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Posted: Mon Mar 06, 2006 8:56 am Post subject: VISA/DSNB

I recently disputed VISA/DSNB with equifax and reported the item as not being my account. That compnay then replied to Equifax stating that the account was mine. I do not have a number for that company. I need this off my credit report since it is being reported as recently opened then closed which is hurting my credit score. Does anyone have any suggestions? _________________ Register today to encash debtcc points.

lethey
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Posted: Mon Mar 06, 2006 9:28 am Post subject: MCYDSNB & VISDSNB

My credit report had MCYDSNB & VISDSNB. I do not have these credit cards. I GOOGLED these two and find something (in German language) about debt consolidation. Are they using us to increase they customer numbers to secure loans? In Germany? BR _________________ Register today to encash debtcc points.

BR
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Posted: Mon Mar 06, 2006 3:26 pm Post subject:

Any incorrect item in your credit file should be disputed. Credit bureau will start an investigation and remove the incorrect entries. You can dispute it online as well. Go to my previous posts in this page. I have mentioned one line there. Follow it. _________________ Read my thoughts about Debt and Credit.

stanley
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stanley

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Posted: Wed Mar 08, 2006 11:21 pm Post subject:

I have recieved credit report recentlly and there is mcydsnb account of 216.00 shown in this report. This account is settled long time ago how can you help me repair my credit report. _________________ Register today to encash debtcc points.

HELEN GEBREMESKEL
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Posted: Wed Mar 08, 2006 11:25 pm Post subject:

I have allready disputed but again it is refected and not been corrected. _________________ Register today to encash debtcc points.

HELEN GEBREMESKEL
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Debtcc Points: 100

Posted: Thu Mar 09, 2006 12:39 pm Post subject:

Quote:

This account is settled long time ago

Do you have any document of your payments to them, like check stub, bank statement, agreement paper or stuff like that? You can send copies of these documents to credit bureau to accelerate the investigation process.

Have you contacted OC for this purpose? It is your creditor's responsibility to report your account properly.

Quote:

I have allready disputed but again it is refected and not been corrected.

What do you mean by �again it is reflected'? Was it removed from your report and re-inserted after few days or it was never corrected at all?
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stanley
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stanley

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Debtcc Points: 245

Posted: Thu Mar 09, 2006 11:43 pm Post subject: same thing in Alaska

Yeah, this happened to me too. Except it seems like a total fraud. The balance went to $100 then the person paid it off. Then it went to $600 then they paid it to $0. Well throughout the year the balance is now $7000. Of course I didn't know about any of this until lately. The person responsible is probabally about to skip out once it reaches the $9500 Limit. This sucks. _________________ Register today to encash debtcc points.