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MCYDSNB credit card/VISDSNB - How to remove it from credit report?

The name of VISDSNB (Visa Department Store National Bank) may pop-up in your credit report if you have applied for a credit card through the store line of Federal departmental stores, one such card is Macy's card.

When you set up an account with any of the federal departmental stores, they may also create a parallel visa account along with the original one. Hence, if you're trying to close the account with Macy, make sure that you close both the accounts at the same time. Otherwise, you may keep accumulating debts on the other account.

However, if you're sure that you have no relation whatsoever with Macy or any other Federal Departmental Stores, you have the option to dispute the entry with the Credit Reporting Agencies. Here are the contact details of the three credit bureaus

  • Equifax (800-685-1111) ( )
  • Experian (888-397-3742) ( )
  • TransUnion (800-888-4213) (
Amongst the three, Equifax also offers the facility to dispute online. You can register your complaint by filling-up the form available in their site.

To dispute with the credit bureaus, you're required to send them a letter requesting them to investigate into the questionable accounts. You should mention your name, address, SSN and the accounts details those you'd like to dispute, in the letter.

After receiving your dispute letter, the CRA will probe into the matter. If they can't establish the account, they'll wipe the item off your report. However, along with the CRAs, you should also send a letter of debt validation to the creditor.
I just got my credit report recently, and there is...
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I just got my credit report recently, and there is a VISDSNB account. I don't think I have opened that account, I wonder what is VISDSNB, so that I can close that account.

This is the information available on the credit report:
MASON, OH 45040
No phone number available

Hi topgun9

Welcome to the forums.

Financial, Administrative and Credit Services Group, Inc have their headquarters at the following address:

FACS Group Inc
9111 Duke Boulevard
Mason, OH 45040

This account might have appeared in your file due to a simple data error. Please write a letter to the credit bureau disputing this item. They will investigate the account with your information providers and if your dispute is found correct, the item will be removed from your file. A free copy of your CR will be sent at your mailing address. You can use this sample letter to dispute with the bureau.





To Whom It May Concern:

I am requesting that the item(s) listed below be immediately investigated. The account does not belong to me. Therefore, this credit report does not accurately reflect my true credit history and is detrimental to me.

Credit Report Date:

The following does not belong to me: Entry(ies) issued by

Please return a report reflecting the result of your investigation. Should verification not be provided within 30 days, I expect the above mentioned entry(ies) to be permanently deleted from my credit report.


Your Name

You can also write a letter to the original creditor and request them to verify this item. It should be removed from your file if there are no available records of it. Make sure that you send your letters through certified mail with return receipt requested. Keep everything documented for proving the facts.


Sub: #1 posted on Wed, 01/18/2006 - 17:06

roxette roxette

(Posts: 4009 | Credits: )

This just happened to me also. I googled VIDSNB and this page came up. I'm pretty freaked out about having an account I know nothing about, but I did let the credit bureau know that I'm unawares. Should I put up a fraud alert?

Sub: #2 posted on Sun, 01/22/2006 - 07:31


VISDSNB is joined with Federated Stores when you set up a store account, there is the store account, and then they set up another visa account that is linked to the card, so you have to make sure they close both accounts, or just one of them.

Sub: #3 posted on Sun, 01/22/2006 - 13:41


Almost all credit card companies will report the consumer accounts to the bureaus. If you are unaware about any of the account specifically, send a letter to the company as well as the CRA and query about the entry.

Insist on getting a statement in writing about the closure of the account. This will be a helpful and valid proof of your dispute being settled.

Sub: #4 posted on Mon, 01/23/2006 - 05:16

david david

(Posts: 1231 | Credits: )

I think it is strange that several people have found this on thier credit reports lately. I also have one from MCYDSNB that is listed to the came address. I have disputed both.

Sub: #5 posted on Sat, 02/04/2006 - 19:15


I also found VISDSNB account on my latest credit report. I will follow roxette's recommendation.

Sub: #6 posted on Sat, 02/04/2006 - 20:48


his just happened to me also. I googled VIDSNB and this page came up. I'm pretty freaked out about having an account I know nothing about, but I did let the credit bureau know that I'm unawares. Should I put up a fraud alert?

That's how I got here too.

y'all must of bought ms money too, huh?

if you didn't i guess it's just coincidence...hmmm? i'll ponder...

anyway i did p/u ms money and i got the free experian 12 month deal.

i got the same two accounts on my cr report too.

MCYDSNB credit card

besides the first post that had the address, is there a place on the report that shows the address?

Sub: #7 posted on Tue, 02/07/2006 - 21:45


I have the same

MCYDSNB credit card

I think when we signed up for a Macy's card they "threw" in a visa. I guess I'll have it removed, though doesn't it hurt my score to remove it/lower total amount of credit available.

Sub: #8 posted on Wed, 02/08/2006 - 19:37


2cool4skool, you must send a letter to the company inquiring about this entry. In the recent times, I have heard many others complaining about the same issue. This entry suddenly popped up in a large number of credit files. The CRA must be getting large number of complaints on this issue. So, they must have thought about an alternative. You need to dispute on this item with the CRA as well.

Sub: #9 posted on Thu, 02/09/2006 - 13:00

curlycarl curlycarl

(Posts: 616 | Credits: )

i'm new here.

who is the cra?

Sub: #10 posted on Thu, 02/09/2006 - 14:09


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