I would guess that CSC is a company that is set up to sell you something. Think about it.....no matter who orders credit reports...a bank, a credit card company, a finance company or whomever, they have to pay anywhere from $3 to $12 for each report from each of the 3 major companies. Why would any company go to the expense of paying thousands of dollars for these reports and then give them away "free". There are no free reports. Generally you can get "free" reports only if you sign up for some other service that is anything but free. So, if you haven't been contacted by CSC to sell you something yet, you will be before you get any "free" reports. Mark

How frustrating! I'd continue to call them and pursue it. After sending them proof of Social Security once, I'd have stopped. But if they make you send it a 3rd time I'd do it by certified return receipt mail and ask them what happened to the other 2 submissions and who had access to it. I just requested my free annual credit report online from Transunion & Equifax. With Transunion I had a terrible time filling in the necessary information to verify who I was before getting the actual report. Good luck in your endeavor.

When there is fraud against the account, they will immediately close the existing account and reopen it with a new account number. They will then transfer any existing balances over to the new card number. If your last statement on the old card number did not show a transfer of $60, then their computers already redirected it to the new account. That could be a problem if the card number was already being abused, but it could have been something that didn't trigger their fraud department to investigate it (was it a repeat transaction or a pattern of spending in your account, etc...). Just because you do not 'activate' the new cards doesn't mean that the account is closed. Activation allows you to use the cards at PoS terminals through the credit clearing houses. So the disconnect was that when they changed your account number, they transfered your desire *not* to have statements sent through the mail... but by you not attaching the card number to your account at Citi, you would not have any notion that their was activity on your card. Citi was generous to refund you the fees I think. I hope they are able to amend your credit reports in time. So the moral of the story is: Never assume the business relationship is over unless you have a letter in your hand stating that your account has been closed either by Citi or by yourself.

My score hovers around 800 or just under. My credit card companies provide free credit score info (FICO, Creditwise, etc.), and list the things that help or hurt my score. Inquiries from other companies will make it drop. Having a long history with zero late payments helps. Having a mix of types of credit helps too evidently. I actually have a number of credit cards I haven't used in a long time, and I understand that keeping the accounts open doesn't hurt my score, but helps, since I'm not using all my available credit, as FOAS pointed out. I keep a balance on a couple of 0% interest cards and pay off over time, which credit companies like, I believe. I always pay more than the minimum. I recall years ago learning that in the credit card business, people who pay off their balances every month are not well regarded. They want that interest! IMPE, it pays to call them on late fees and get them wiped, which I've done in the past - the only reason I had late fees was paper bills that went missing, and reminding them that I had no history of delinquencies prior to that was helpful in getting them to erase the charge and the record of it. I blame my hubby who would throw out what he thought was junk mail without checking for bills first - but that was back before I went paperless, so it hasn't been a problem for a long time now. Just wait and keep checking, you should see your score go back up over time, I think... P. S. I monitor all my cc accounts to make sure they aren't compromised - I have alerts set up to send email notifications.