A recent article reported that one’s FICO score can drop by more than 65 points if your credit card company does not report your limit to the three major credit bureaus. The omission can be costly when you apply for credit. Capital One omits the information. Equally costly, according to Household – HSBC Watch consumer advocates, is reporting one account in three slightly different ways.

While examining True Credit Pro and Insta Merge reports, Household – HSBC reported one Best Buy credit card with different balances and slightly different account information to the three credit reporting agencies. One mortgage brokers said the practice caused the consumer’s debt to income ratio to skew unfavorably.

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