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ulillillia

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Unknown/unauthorized card over the limit, late, and overmaxed - how to remove
When I first checked my credit report (not through Credit Karma), I saw that there was only 1 card on it, one I'm expecting to see. Now, a few months later, I'm finding that there's another credit card on the report, one that I've never heard of or even authorized. What's BBY/CBNA? I never heard of that brand or name. This card is showing up as having a $300 limit with $404 on it and now 2 late payments. I first saw it a few days ago at $363 and 1 late payment. How do I report this unauthorized card and am I responsible for paying for it despite it being unauthorized and having never actually seen any paperwork or the like for it?

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Write letters to all three credit bureaus and tell them to delete the account because it is not yours.  Wait for their responses.  It may take 2-3 tries.  Be persistent but polite.  Best of luck!

Credit Karma Team
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Hi ulillillia

That's the abbreviation for a Best Buy retail card. If you've never had this card, you'll need to file a dispute with the credit bureau. 

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I very rarely shop at Best Buy.  If I want computer hardware, I always use Newegg unless I can't wait.  If I do get something from Best Buy, I always pay in cash or via debit card.

How do you contact the credit bureaus?  Is there an E-mail, an online form, or does it have to be via postal mail?  Where is this info at?  I prefer E-mail or an online form, using postal mail only if it's an absolute must.

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Disputes filed

I went to annualcreditreport and filed the disputes.  I find it odd that one of the credit reports from the 3 bureaus didn't even have this card listed.  The other 2 had it listed and I filed the disputes.

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