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Reporting stolen credit card - Will it affect your [url=http://www.jordanpascherofficiele.com]air jordan[/url] credit reportArticle Summary: Credit scores measure the financial capability of an individual. These are viewed by creditors, landlords and employers. However when a thief steals your personal valuables, such as credit cards, and you reported the case to the issuing company, [url=http://www.louboumaterialistanyc.com]louboutin[/url] will it significantly affect your credit score?
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The disappointment you [url=http://www.mxitcms.com/tiffany/]tiffany[/url] feel when you have a stolen or lost credit card can only get worse if you don't have any idea what happens next on your credit score. The main question that lingers on the mind of consumers is [url=http://www.mxitcms.com/abercrombie/]abercrombie[/url] this - if they cancel their lost credit cards and request for a new one, will this significantly impact their score. Keep in mind that the actual loss of your credit card, whether stolen or just a result of plain forgetfulness, does not affect your score. How you respond to the loss and the [url=http://www.mquin.com/gzparis.php]giuseppe zanotti pas cher[/url] manner in which you reported the case may impact your score, though.
What to do first
Reporting about your lost credit card to your credit card issuer is the first thing to do. Doing this provides you protection in terms of your liability for stolen or [url=http://bbs.nbcfo.com/forum.php?mod=viewthread&tid=131&pid=66682&page=15&extra=page=1#pid66682]jordan pas cher Top Blogging Tips - written by Dav[/url] lost credit cards. If you report the loss right away before any unnecessary charges are made on your card, you have no liability. If the credit [url=http://www.rtnagel.com/louboutin.php]louboutin pas cher[/url] card issuer replaces your credit card and credit card number with a new one, but retains your account, your score will not be affected.
However, if there [url=http://www.mnfruit.com/airjordan.php]jordan pas cher[/url] are charges made on your account before you reported the loss, your fraudulent charges liability is limited to $50 as indicated by law. There are credit card companies that have offers zero-liability, meaning that card owners will not be responsible for the fraudulent charges made on their account in the event of theft or stolen cards. It's essential to check the credit card terms and conditions before applying for one.
Simply put, the replacement card, though a new one, have the same information as with your pre-existing account [url=http://www.shyg120.net/forum.php?mod=viewthread&tid=4674115]hollister sale Establishing Your Stronghold Against Identity Theft - written by[/url] that got stolen. The date it was opened, your payment history, your current balances and credit limit are retained, so this won't affect your score at all. This also means that all your account information and history are preserved whether you have a clean or poor credit.
When will your score be affected?
If you decided to open a new card, this will be reported as a newly opened credit account and this can have a negative impact on your credit score, especially if the date you used is the current one and not the original date when you found your card is stolen. This is why reporting the case right away is necessary to avoid further inconveniences that can impact your credit.
Closing and canceling your account are two different things
Another instance that your score will be affected is when you decided to [url=http://www.ilyav.com/uggsoldes.php]boots ugg pas cher[/url] totally close your account when your credit card is stolen. Despite the fact that you have reported the [url=http://www.moncleroutletosterblade.com]moncler outlet[/url] incident before someone used it fraudulently, closing your [url=http://www.speacle.com/profile.php?user=qazb6hb9&v=تعليقات&v=comments]Absolutely Psychic - Astro Chart part 30 - written by Jackie A Williams[/url] card may decrease your score. Credit card companies won't be closing your account, but rather cancel your stolen cards and replace them with a new one. They will retain all your valuable information and prevent accumulating [url=http://www.achbanker.com/hollister.php]hollister france[/url] debts caused by credit scams and frauds.
Limiting the risks of stolen cards: monthly statements and credit check
Keep close watch on your credit card statements and report any errors you find that could [url=http://www.mquin.com/gzparis.php]giuseppe zanotti[/url] possibly indicate fraud activity. Call the company and inform them about the error and dispute the charges on your statement. After this, follow up the call with a letter, reiterating that your card has been stolen and there have been suspicious charges on your account. Indicate on the letter the date of the incident and the date you first reported the case. You can also order your credit report from the three major credit-reporting companies once a year to review your record and make sure no inaccurate information is included in it.
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