I’ve had and loved my Discover card for six years. Never had an issue before.
Last week, I noticed three almost $100 charges ($99, $99.80, $99.85) from gas stations in a state I’ve never been to. I still have my card and never lost it. I called Discover to let them know I did not authorize those charges. They were helpful and let me know I am not liable for those charges, to stop using my current card, and that they’d send me another card.
Yesterday, I got a Mint notification that my credit score had dropped from ~780 to 710, because Discover closed my longest line of credit, and I went from an average 4 year history to under 1.
I plan on trying to call back tomorrow to ask to reopen the account but issue a different card. Is this possible or is there something else I can do? I may need that credit to buy a home in a few years. If I need to rebuild I plan on applying for a few cards now so I won’t take another average age hit in the future.
I don’t think I should have to take a major credit hit because of a fraud that wasn’t my fault. Any help would be appreciated!!
TL;DR - Discover closed my account and credit scores dropped because of the updated account history factor. What can I do to raise it again?
Submitted June 17, 2018 at 02:00PM by adg3724 https://ift.tt/2JLkJHI
