Credit Repair, credit score and credit reports

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

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Posted: Tue Mar 21, 2006 9:51 am Post subject: visdsnb

I have the same issue as everyone above. My credit report is showing: VISDSNB but i am not aware of this acct. I am going to dispute...The macy's entry i have is accurate..although is does show up twice??? _________________ Register today to encash debtcc points.

amy-1
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Debtcc Points: 100

Posted: Sat Mar 25, 2006 3:23 pm Post subject: MCYDSNB, too!

I DID apply for a Macy's card at Christmas time to get the extra 10 or 15 % off my purchase. However, I've never received a bill or the credit card from them. But I see that they're now reporting me as 60 days late, which really bugs me, Any others who are finding this acct on their credit repoort in the same boat where they applied and used the credit for a purchase but never got the bill? Is that a stunt by Macy's to bean us for late fees??? _________________ Register today to encash debtcc points.

JimC
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Posted: Sat Mar 25, 2006 3:24 pm Post subject:

I never had that experience with Macys. Call their customer support and get that waived. Tell them you did not receive a bill. You can also make your payment in the stores.

Jessi
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Joined: 01 Dec 2005
Posts: 3463

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Posted: Mon Mar 27, 2006 5:35 pm Post subject: VISA WITH MACYS

Thanks for all the info, so all I need to do is contact Mary's to get this off my report? _________________ Register today to encash debtcc points.

BRINA SOUTH CAROLINA
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Posted: Mon Apr 03, 2006 12:13 pm Post subject: MCYDSNB

I also just found this on my report. I hadn't opened an account with Macy's but once I got to thinking about it I realized that The Bon Marche is now Macy's. I did find a number (1-866-593-2543) and got the account closed. _________________ Register today to encash debtcc points.

Wendy
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Posted: Tue Apr 04, 2006 10:55 pm Post subject: VISDSNB

I just received my credit report and I have both VISDSNB and MCYGEMB accounts. I thought MCYGEMB is my Macy's card. But I'll find out. I didn't know this happened to so many people. _________________ Register today to encash debtcc points.

meemormau
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Debtcc Points: 100

Posted: Thu Apr 06, 2006 12:21 pm Post subject:

Just did what "JUSTAHELPER" suggested. Call Macy's customer service at 1-866-282-8697 and cancelled both MACY and VISA accounts in 2 minutes. I just kept pressing "0" and "#" to get to an CSR. Still can't believe that my limit was $3k and $1k, but at least I opened it a while back. Still got more accounts to close and dispute. Good luck to all. _________________ Register today to encash debtcc points.

VLBB
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Debtcc Points: 100

Posted: Fri Apr 14, 2006 11:08 am Post subject: good and bad

Sure enough, this showed I "opened" an account in 2000, with absolutely no activity on it. I have a Zero Ballance on "my" account since 2000, but it still showed up as my one negative out vs. 33 positives on my credit report! I called Macy's at 513-398-5221 and sure enough they cancelled it, and said they would send a change notice to the credit bureaus but it still gave me the heebie-jeebies because.... since they don't even list the entire Account #, you have to give them details to get "removed" and I HATE that. _________________ Register today to encash debtcc points.

California
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Debtcc Points: 100

Posted: Fri Apr 14, 2006 11:42 am Post subject: VISDSNB

I think what Macy's did was VERY bad. I called and reported them to the Federal Trade Commission: Consumer Response Center - FCRA Washington, DC 20580 1 877 382 4357 and then I found their local BBB Cincinnati BBB 7 West 7th Street, Suite 1600 Cincinnati, OH 45202 - 2023 (513)421-3015 Fax: (513)621-0907 complaint(at)cinbbb.org www.cinbbb.org and just registered a complaint there, too. That BBS site was VERY EASY AND GOOD. _________________ Register today to encash debtcc points.

California
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Debtcc Points: 100

Posted: Fri Apr 14, 2006 12:51 pm Post subject:

Ok so here's the deal: I just got my Credit Report online and saw MCYGExx and VISDSxx on it. I used the number that was given on a previous post to find out what the deal was. Buty they just transferred me to this number: 888-234-5672. They are both from MACY's. One is of you use the card in the store and the other is a VISA for when you are outside the store, on the Same Card. BTW � if you have a Filenes Card, that will soon show up as MACY's also. It will probably look like another MCYGExx card on your Credit Report. _________________ Register today to encash debtcc points.

NakedBob
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Posted: Tue Apr 18, 2006 1:45 pm Post subject: TO JIM C. - Yes, Same Problem Here

Yes, Damn Macy's never sends bills then tries to rack up late fees against me. Negatively impacted my credit score by 60 POINTS! Finally got wise to what was going on, cancelled all accounts, received written confirmation that derogatory info was to be removed, AND filed disputes with each individual credit bureau. _________________ Register today to encash debtcc points.

Dennis
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Posted: Fri Apr 21, 2006 9:17 am Post subject: duplicate entries on my credit report

i need some assistance. I have two entries on my credit report for VIDSNB acct# 430851743130... and 430851743077... I only had one account. The account is paid in full and closed. Please assist. Thanks.

afton scarborough
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Posted: Fri Apr 21, 2006 9:20 am Post subject: your phone number doesn't work

Please supply an updated telephone number. Thanks.

afton scarborough
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Posted: Fri Apr 21, 2006 10:27 am Post subject: thanks guys

i too had that

hey
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Posted: Mon Apr 24, 2006 1:47 pm Post subject: Thank You

This showed up on my credit report when I ran it and I had absolutely no idea what it was. I was in the same boat as many in the way that I didn't open this account, it was given to me automatically. The rep I had was nice but seemed a little confused so hopefully it will be closed like she said it was. I'm going to check up on it in awhile and make sure though. I'm very glad I was able to find this entry since I can now clean up my credit a little with all these accounts I never use. My score is still very good; however, I don't like having credit lines open unless I actively use them.

CheeseKate
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Debtcc Points: 100

Posted: Thu May 04, 2006 11:29 am Post subject: VISDSNB

Thanks to whomever figured out this is a Macy*s-related account. Federated has so many stores, it would be much more convenient if they just had a Federated Store Card, and a Federated Visa or MC!