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I think that you have a value city departmental store credit card through WFNNB

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Joined: 08 May 2008
CMBV22's page
Posts: 364

5665 Magic Points

Posted on Fri Jun 13, 2008 9:29 pm  

I would look to the back of your CR and call the number listed for the card. Tell them the card was not opened by you, to freeze it and start an investigation. Then do the same with the 3 CRAs. Once that is done send everyone you just spoke to a letter stating that you never opened this account.
Free sample letters,
info on paying off payday loans,
and quick credit repair tips.
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Subject: open/never late is a good thing
Posted on Wed Aug 20, 2008 2:35 am  

You've got a Macy's/Bloomingdales/etc account. Your FICO credit score is calculated in part based on the average age of all your accounts. So if you've got an old credit card account still open, it helps boost your score. The best thing to do instead of closing an account like this is to call their 800 number and make sure they have your current address on file, so you're more likely to catch a fraud using the card. Closing old accounts hurts your score. Opening new accounts hurts your score. It's just the way it is.

Joined: 03 Nov 2007
goodnatured's page
Posts: 3931

627 Magic Points

Posted on Wed Aug 20, 2008 3:31 am  

great advice chris b, we often think that since we pay the cards off, we should close them, not knowing that it will hurt our score.
for all the ways I make $$ online

Joined: 26 Feb 2008
fireyone's page
Posts: 4246

143 Magic Points

Posted on Wed Aug 20, 2008 7:10 pm  

This is true but I also thought if you have alolt of credit cards opened,even if they do not have a balance, this effect your score.

Posted on Fri Nov 28, 2008 4:34 pm  


does anyone know what this is?? this was on my report.


Joined: 06 Jul 2006
Mary's page
Posts: 684

17426 Magic Points

Posted on Mon Dec 01, 2008 11:34 am  

Hi Steph
I think that you have a value city departmental store credit card through WFNNB. If you have such a listing, you can directly send a debt validation letter to WFNNB. If they validate the debt within 30 days from the date of receipt of your letter, you should come to a settlement plan to repay off the debt else the creditor may bring judgment against you to recover it. Moreover, before you pay it back you should negotiate for a pay for deletion agreement so that as soon as you pay off the debt, the negative listing goes out of your report.
Where there's a will, there's a way !!
just wanderin

Subject: i want
Posted on Tue Feb 10, 2009 7:18 pm  

if i have there credit line can i get a card or.... if i dont want to cancel it and i want to use it how would i do it???


Joined: 28 Jun 2006
scott's page
Posts: 446

10890 Magic Points

Posted on Wed Feb 11, 2009 11:35 am  

You can get a credit card only if you have a good credit score. A good credit score depends on your credit history and so you should have a credit line to build up this good credit history. Moreover if you have an existing line of credit in good standing, you should not close it because this credit line will help you to get a credit card.

Use your credit account responsibly and enjoy a debt free life.

Posted on Mon Mar 02, 2009 9:35 pm  


Subject: Macys on my credit report
Posted on Wed Mar 11, 2009 12:18 am  

Their online payment website lists TWO accts for me, though I have only 1 account with them. They each have different balances, but are the SAME account number. I had been paying online, but TWICE they did not deduct from my account on the date I selected, but instead, deducted over a monthy later. When I called to complain, they said they had no record of my being late, and that I was current, and could not explain why their online svc didnt deduct on the date I scheduled it for. I am currently disputing these negative dings on my credit report. And I'm canceling my MACYS account.

Subject: MCYDSNB
Posted on Wed Mar 25, 2009 6:28 pm  

This account was opened, paid, 2 late payments, and closed. However, I was told by Macy's that it would reamin on my report until 2014. I am going through a divorce and would really like this taken off my report


Joined: 27 Jun 2006
carol's page
Posts: 1299
Location: Los Angeles, California

30073 Magic Points

Posted on Thu Mar 26, 2009 7:29 am  

Any negative listing like outstanding debts (even if paid), charge off or judgment stays in your credit report for seven years and six months from the date of your last missed payment and it cannot be removed before this period. Only if before paying off the debt in full, you come to a pay for deletion agreement with the creditor, the negative listing can be removed. But since you have already made the payment, it is not possible to get it removed before 2014.
Keep in touch

Posted on Fri Jul 17, 2009 4:06 pm  

I also had MCYDSNB, the number didn't match my Macy's card, so I called and found out that they open two accounts. One, which matches my card is a visa account and then MCYDSNB which is their store only account.

Subject: DSMP/FDSB Address
Posted on Mon Oct 05, 2009 11:40 pm  

P.O. Box 8113 Mason, OH 45040 All bankruptcy proceeding to this address and then to state branches
Ayanna Pattersom

Subject: credit report entry
Posted on Mon Aug 01, 2011 6:33 am  

i have mcydsnb on my credit report it say 0 but it still show its from 9/1/2011 can it be removed off my report

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