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HomeCredit ForumCredit repair

What is FIA Csna?

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Linda_Lord



Joined: 30 Aug 2008
Linda_Lord's page
Posts: 4



140 Magic Points
Subject: What is FIA Csna?
 
 Posted on Sat Aug 30, 2008 5:25 pm  
I just got my credit report from EQUIFAX and I see something called FIA csna listed as a credit card. I don't even know what this is. There is no date showing that this was ever closed. I didn't know I had it and I don't know what it is.
 
1002543



Joined: 31 Aug 2008
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Posts: 84



96 Magic Points
 
 Posted on Sun Aug 31, 2008 3:23 am  
FIA Card Services is essentially Bank of America.
 
Linda
Guest
Subject: How do I cancel the credit card account for FIA Csna?
 
 Posted on Sun Aug 31, 2008 3:54 pm  
O.K., so if FIA Csna is "Bank of America," then I assume that my credit report is saying I have some kind of credit card account with them. I do not wish to have this and didn't even know I had it. What do I do now to get rid of it?
 
Guest







 
 Posted on Sun Aug 31, 2008 7:30 pm  
You can
1. Contact BOA and find out if you have any account with them which could justify hard pull on your EQ report.
2. Dispute this inq. with EQ as "not mine"

BOA rarely pulls EQ.

I would put fraud alert on all four CRA or even freeze it.
 
1002543



Joined: 31 Aug 2008
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Posts: 84



96 Magic Points
 
 Posted on Sun Aug 31, 2008 7:33 pm  
I am sorry, I forgot to log in so see my post as a guest.
 
anthony

anthony

Joined: 31 Jul 2006
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Posts: 507



12662 Magic Points
 
 Posted on Mon Sep 01, 2008 11:42 am  
Hi Linda
FIA-CSNA is FIA card service, one of the leading credit card providers in US. FIA appeared in your credit report means that you might have some credit card debt with FIA which is now a part of Bank of America. Now since you are sure that you never had any card of FIA, you should immediately send a debt validation letter to the company. If they can properly validate your debt, come to a repayment agreement with them to pay off the debt. However, if they do not validate your debt within 30 days from the date of receipt of your letter, you should send a dispute letter to the credit bureaus asking them to remove the listing from your report.
_________________
Anthony Marx

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.
You can also visit my blog
http://financewatchonline.blogspot.com
 
Mary

Mary

Joined: 06 Jul 2006
Mary's page
Posts: 349



9261 Magic Points
 
 Posted on Mon Sep 01, 2008 12:00 pm  
Yes, I agree with Anthony.You should first call FIA card services at their toll free number 1800 655 1491. You can also send a dispute letter directly to the credit bureaus if you are sure that you do not owe any money to the card company. However, I shall also suggest you to send a debt validation letter to the credit card company by certified mail as a proof that you had asked for validation of the debt. The address of fia csna is

FIA card services
P.O Box 15720
Washington, DE 19850-5720
_________________
Where there's a will, there's a way !!
 
1002543



Joined: 31 Aug 2008
1002543's page
Posts: 84



96 Magic Points
 
 Posted on Mon Sep 01, 2008 1:25 pm  
You send DV letter if there is an attempt to collect debt. As far as I understood from your post there is a trade line listed on your EQ report, which you do not recognize.
If it is so, I would suspect identity theft and dispute with CRA.
On the other hand it might be just a mistake made by FIA/BOA, so it could help to give them a call.
 
Linda_Lord



Joined: 30 Aug 2008
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Posts: 4



140 Magic Points
Subject: FIA/BANK OF AMERICA - I never signed up for this credit card
 
 Posted on Fri Sep 05, 2008 5:20 pm  
On my Equifax credit report, an amount of $0 is listed under “high credit.” I think this means that I have never tried to charge anything with the card and do not owe them any money. In other words – does this mean that I have never used the card and don’t owe anything (no debt) at all? If so, I’m wondering if the debt validation (and I’m not sure what exactly the debt validation is; this is the first time I’ve heard of it) would apply to this. As the situation stands, I think I have never charged anything on the card however I want to close this account (which I never knew that opened).
 
goodnatured



Joined: 03 Nov 2007
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Posts: 3172



1095 Magic Points
 
 Posted on Sat Sep 06, 2008 1:10 am  
If you close it you may take the risk of lowering your score, anytime you close out an account it drops your available credit, there fore you are less credit worthy.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
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Posts: 2977



4361 Magic Points
 
 Posted on Sat Sep 06, 2008 1:15 am  
Yes true but it is the older accounts that look the worst. I have been wanting to be rid of some of mine and I will probaly have to close an old account because the newer one serves more purpose.
 
goodnatured



Joined: 03 Nov 2007
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Posts: 3172



1095 Magic Points
 
 Posted on Sat Sep 06, 2008 1:18 am  
That is true, but closing it will still have a negative affect on your report. I think you should really reconsider.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2977



4361 Magic Points
 
 Posted on Sat Sep 06, 2008 1:21 am  
I have thought it out a million and one times but feel it is something I will have to do. I have paid this card off several times and then turn around and put another $500 on it within 6 months. My daughter and I both like their clothes and accessories so onece I pay I will probaly be done with it.
 
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