Credit Repair, credit score and credit reports

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

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Posted: Wed Feb 20, 2008 9:52 am Post subject: visadsnb

I found this account on my credit report and didn't know what it was. It was my Macy's Visa account. My report showed the Macy's card (for store use only) and this Visadsnb (which is set up for any purchases outside of a Macy's store. So be sure to ask for BOTH accounts to be closed.

bard
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Posted: Thu Feb 28, 2008 1:35 pm Post subject:

So I have a question...on my credit report both of these things have come up. But it says that both accounts have been closed, and i never paid late. Is there even a point in calling up the companies, since it shows that I have good credit?

margaret382
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Posted: Fri Feb 29, 2008 10:47 am Post subject: VISDSNB

When you apply for a Macy's Department Store credit card they give you a Macy's card AND a VISA card. Two different account numbers. You may pay one bill however, there could be activity on the other acct. Don't ask me how this is legal. I got a call re: an $80 balance on the acct. being past due. I wasn't receiving statements or anything. It's completely unethical and alhtough it stinks, I'm glad I'm the not only one having dealt with this situation. I cancelled everything Macy's.

ceh
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Posted: Sun Mar 16, 2008 6:26 am Post subject: Im New

Hello All Im New...

megatrendsZ
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Posted: Sun Mar 16, 2008 7:35 am Post subject:

megatrendsZ wrote:

Hello All
Im New...

Yes. And?......
_________________
Wulfisms: my blog

The four 'no's of dealing with collectors:
No validation? No payment. No way! No kidding!!

Tellin' you all the zomby troof
Here I'm is, the zomby woof
[Frank Zappa, 1988 - R.I.P.]

unclewulf
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Posted: Sun Mar 16, 2008 10:22 am Post subject:

megatrendsZ = spammer _________________ The only people with whom you should try to get even are those who have helped you. -John E. Southard

Morningstar
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Posted: Sun Mar 16, 2008 10:41 am Post subject:

_________________ Wulfisms: my blog The four 'no's of dealing with collectors: No validation? No payment. No way! No kidding!! Tellin' you all the zomby troof Here I'm is, the zomby woof [Frank Zappa, 1988 - R.I.P.]

unclewulf
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Posted: Sun Mar 16, 2008 11:03 am Post subject:

no biggie _________________ The only people with whom you should try to get even are those who have helped you. -John E. Southard

Morningstar
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Posted: Sun Mar 16, 2008 12:04 pm Post subject:

This is what I get for tryin' to be helpful... _________________ Wulfisms: my blog The four 'no's of dealing with collectors: No validation? No payment. No way! No kidding!! Tellin' you all the zomby troof Here I'm is, the zomby woof [Frank Zappa, 1988 - R.I.P.]

unclewulf
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Posted: Thu Mar 20, 2008 10:28 am Post subject: visdsnb

VIS- Visa D- Department S- Stores N- National B- Bank this shows up with a macy's account if you look at a macys card it has a visa logo and can be used as any other visa card. if you use it at macys it goes on the MCYDSNB account and if you use it elsewhere it goes on the VISDSNB account. Hope this helps

ndean
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Posted: Sat Mar 22, 2008 11:43 pm Post subject: Credit Report

I have just read all of your comments and you have eased my confusion. I did have a macy's card (which is federated). Thanks for everyone's comments regarding this issue.

Mark B.
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Posted: Tue Apr 15, 2008 12:31 pm Post subject: I dont want visdsnb on my credit reports. I didnt order it

I am a victim of fraud and didnt order this visdsnb I want it off my credit report at once thank you.LaRee Wilkinson 1065w 1600 no Orem Utah 84057

LaRee Wilkinson
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Posted: Tue Apr 15, 2008 12:36 pm Post subject: Credit

I would like an 800 no. for this visdsnb to make sure its off my credit report thank you

LaRee Wilkinson
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Posted: Fri Apr 18, 2008 10:55 pm Post subject: MCYDSNB

MCYDSNB shows up when you have a Macy's card. I suppose VISDSNB, as some of you suggested is either an erroneous addition by the Macy's people when you open an account or it is a deliberately tied product (which would be illegal under TILA). Regardless, I will dispute the VISDSNB issue and I suggest you do the same.

Dealer
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Posted: Sat Apr 19, 2008 11:07 am Post subject: VISDSNB

I saw VISDSNB on my report and thought someone had stolen my identity. I had it investigated through a CRA and removed. Afterwards, I found this page and have now realized that VISDSNB appeared at the same time as my MCYDSNB (Macy's card). They must be connected. Although I have no idea why Macy's would choose to open two separate accounts that connect to one card!?!

Chariot
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Posted: Wed Apr 23, 2008 8:18 am Post subject: This thread

You guys are awesome...you just helped me save my boss from possible fraud..Bloom card opened in his name and he never opened it...i didn't know what the BLMDSNB was so i did the search and here you all are!! I got the phone number here and cancelled the card! THANKS!!!