Credit Repair, credit score and credit reports

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

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Posted: Mon Jun 05, 2006 5:28 pm Post subject: MCYDSNB in EXPERIAN

Found MCYDSNB in a recent check of EXPERIAN, and was able to understand it (I think) only due to info on this site. Thanks very much. My problem goes back to an old Shillito's to Lazarus to Macy hand-me down account that is never used anyway. Now I will close the account, which I should have done a long time ago. I will also notify Experian.

kodyky@mindspring.com
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Debtcc Points: 100

Posted: Tue Jun 13, 2006 10:20 pm Post subject: same problem

Both MCYDSNB and VISDSNB show up on my credit report also. I still want my Macy's account, I assume its the MCYDSNB account, but I do not want the other on there. How can I get just the VISDSNB off. I am new to all of this, so specific directions w/ addresses etc. of how to do would be great! Thanks

Timothy775
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Posted: Wed Jun 14, 2006 5:28 pm Post subject:

Timothy, see the number posted above for getting in touch with Macy. Inquire about this account. It seems to be disputed because many others have complained on this issue. It will be removed from your credit after placing valid disputes with the CRA.

Justme
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Justme

Joined: 19 Jan 2005
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Posted: Fri Jun 16, 2006 7:39 am Post subject: Phone number for MCYDSNB or macy's card's

Facs Group 9111 Duke Blvd Mason, OH 45040-8909 (513) 398-5221

Brownpunisher
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Posted: Mon Jun 26, 2006 12:41 pm Post subject: credit cards not applied for

I would like to thank those leading me to Macy's. I also had a credit card for Visa issued by Macy's. I called the # listed here and discovered that when Stern's (another federated store)went bankrupt, Macy's took over and since I didn't want their credit card they issued me a stand alone Visa. This is back in 2001 and they transferred my credit history from Stern's to it. Anyone with a credit card at a federated store beware, if the store goes bankrupt and Macy's takes over this is what they do. Fortunately they closed it after 5 years of inactivity Was so happy with my score last year I missed it. Debby

Debbyefk
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Posted: Mon Jun 26, 2006 2:15 pm Post subject:

Hi everybody! What I got from your comments is that we need to: 1) contact the CRA to dispute this account 2) contact macys to close this account. Is that correct? What I still don't get -- do I actuallly awe somebody this money (the amount is ridiculous, btw, - 12 bucks)?

Nata
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Posted: Thu Jun 29, 2006 6:38 pm Post subject: I had the same entries...they stand for...

Both are from your one Macy's card. VISDSNB=your out of store Visa purchases on your Macy's card MCYDSNB=your in store Macy's card purchases both are for the same address 911 Duke Blvd, Mason, OH. Just call 866-282-8697 (I spoke to the lost/stolen dept--not sure when I called what I was calling about) and they closed my VISDSNB account and are sending me a closing ltr in the mail and next time I run my credit report it will show up as closed. I am being re-issued a new store card for my MCYDSNB account that doesn't include the Visa out of store purchase option account so in the future there will be only one open entry in my credit report. Hope this helps someone out there.

Prego 2006
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Posted: Fri Jun 30, 2006 7:12 am Post subject: DSNB

DSNB stand for Department Store National Bank which handle accounts for several retailers Their address on their privacy policy is: PO Box 8067 Mason, OH 45040

Fred
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Posted: Sat Jul 01, 2006 8:35 pm Post subject: MCYDSNB and MCY DSNB

I just refinanced and the refinancing company sent me 2 checks (2 different amounts) one for MCY DSNB (assumed it was my Macy's account and mailed in one of the check and another check for MCYDSNB for a different amount with the 9111 Duke Boulevard Mason, OH 45040 address. I don't know who to mail this check to. Should I mail it to Macys and have them "refund" me because I overpaid my account? I don't know what else to do with this check. Thanks.

JoannLev
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Posted: Thu Jul 06, 2006 12:05 pm Post subject: MCYDSNB

You might have gotten this card under another name. When i opened this account, the store was the Bon Marche. Then they got sold to Macy's, and it was called Bon Macy's, then it became just Macy's.

Dori
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Posted: Mon Jul 17, 2006 1:35 pm Post subject: VISDSNB

It must be a Federated account of sorts, maybe Macy's. The address is the exact same for a Bloomingdale's Visa and Federated owns both department stores.

gamemanny
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Posted: Fri Aug 04, 2006 12:43 pm Post subject: Me too

I did a google search and here I am with the same problem. I have that VISDSNB on my credit report, and the dates coincide with when I opened my Macy's account. However, I've only ever had problems with this credit card and rue the day I ever got it. There is a store account and a Visa account - and their website is so difficult it looks like they don't want you to pay for it! Get your free credit report - www.annualcreditreport.com from each of the national reporting agencies. 1 per every 12 months doesn't touch your credit score.

Sweatinthemoney
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Posted: Mon Aug 07, 2006 3:35 pm Post subject:

I just talked to the bank that does Macy's accounts, as I had these two entries (VISDSNB and MCYDSNB) as well. The guy's explanation confused me (he was reading from some script that seemed intended to confuse), but apparently the MCY item is indeed a Macy's account. The VIS is some random Visa account...he said something about it being invitational. Anyway, if you call them and find your way through the maze of automated menus, you eventually get to talk to someone who will close both your accounts. _________________ Register today to encash debtcc points.

Guest

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Posted: Wed Aug 09, 2006 12:17 pm Post subject:

I found MCYDSNB and VISDSNB on my report. I knew the MCYDSNB was Macy's and when I called to have that account closed they told me I had two accounts, one Macy's and one Visa and that they would close both. Letters are supposed to be in the mail, so I'll check the report again in a couple of months and see if they are both closed.