MCYDSNB listing - How do I take it off my credit report?

If you find MCYDSNB listed on your credit report, it means you may have taken a store credit card from Macy's Department Store National Bank or any of the department stores acquired by Macy's.

What is MCYDSNB?

MCYDSNB or Macy's Department Store National Bank is based in Cincinnati, Ohio. It was formerly known as Federated Department Stores, Inc. Macy's provides its customers with store credit cards. When you obtain Macy's store card, the company may offer you a Visa card along with it. Macy's is also the owner of other departmental stores such as:

  • Kauffmann's
  • L.S.Ayres
  • Bon Marche
  • Bloomingdale's
  • Strawbridge's

What if MCYDSNB is listed on my credit report?

If MCYDSNB is listed on your credit report, you need to check the balance shown along with it. If it is "0" balance, then it implies that you don't owe money to Macy's or any store it owns. You can then call their representative at 1-800-627-2909 and request him to close your account.

In case you haven't yet paid off the balance on Macy's store card, then you may negotiate a payment plan with the creditor. Or else, you may settle the debt for less than the amount you owe. Use sample debt settlement letters to negotiate a settlement with your creditors.

What if I'm not sure that I owe the debt?

If you're not sure as to whether you owe money to MCYDSNB, request the creditor to validate your debt. Send them a debt validation letter through certified mail with return receipt requested. If the creditor sends you enough proof of the debt, then you need to pay off the dues. It will prevent late fees from incurring on your account. Moreover, it can save you from any legal action being taken by the creditor.

What should I do if MCYDSNB is an incorrect listing?

If you have not opened an account with Macy's Credit Services or any of its acquired stores, then you can request the creditor to remove the listing from your report. Alternatively, you can talk to the credit bureau in order to take off the listing. Use a sample letter to remove listing to send in a written request to the bureaus.

If you wish to talk to the Credit Services Department at Macy's in order to negotiate your debt or remove an account listing, call 1(877)493-9207 or send in a mail at the following address:

Macy's Credit and Customer Service
PO Box 8113
Mason Ohio 45040

Do you know what MCYDSNB stands for? This company account appeared on my credit report; however, I paid this account in full some time ago, and I would like to write to this company to ask them to close this account so it reflects as such on my report. Thank you!


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Thu, 12/06/2012 - 00:28

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Sub: #2 I was thinking about dealing with them. Thanks for sharing your
Thu, 04/14/2011 - 02:19

I was thinking about dealing with them. Thanks for sharing your experience. Now I'll have to think whether I would go with them.


Sub: #3 credit report
Wed, 04/13/2011 - 08:51

never have credit but in my credit report shows $90. I call macy's and they give me a fax 419 725 5365 to send a dispute. do not like them. they are doing illegal business


Sub: #4 On Credit Report
Sun, 12/21/2008 - 10:57

If I didn't open an account with your store, why is your MCYDSNB (Macy's) on my credit report


Posts: 4677
Credits: 30821.544972777

Sub: #5 If you cancel the cards, you will immediately impact your FICO s
Thu, 09/11/2008 - 04:04

If you cancel the cards, you will immediately impact your FICO score as it will show your utilization percentage to be much higher. If they are paid off, keep them open. I would only close them if they charge an anual fee and they will not waive the charge.


Sub: #6 To cnacel, or not to cancel credit cards?
Wed, 09/10/2008 - 18:19

I have 5 major credit cards. They are all in good standing, all but one of which I pay off the entire balance each month (the other I transfered my Mortgage to at a considerable decrease in interest and is presently at 15,000). I had significant debt problems several years ago but finally pulled myself out of trouble. The question is, would it help, hurt, or be a non-factor for my credit rating by cancelling one or two of my major credit cards?


Sub: #7 credit cards
Thu, 08/07/2008 - 11:26

i only have two credit cards, totally 800 b ut cant get caught up with over limit fees and late fees , just going under , can u help, im retired and living on limited income


Sub: #8 question
Mon, 07/14/2008 - 16:07

is there a number where i can call MCYDSNB to pay off this amount? :cry:


Sun, 05/04/2008 - 08:02

Macy Department Store National Bank (MCYDSNB). Hope this helps. :P


Sub: #10 MCYDSNB
Sat, 02/23/2008 - 18:28

We also had these letters, mcycsnb, on our credit report showing it was open in 1981.
I looked it up in this blog and called MACY's. IT was a credit card now but in our case it was a old Famous Barr card. I guess the account even though it had a zero balance kept on going. Macy's apparently bought out a lot of stores over the years along with those credit cards.
We called Macy's at this number 1 866-593-2543 and spoke to a man who looked up my wifes name. It was a account she opened up before we were married. We had it closed, FINALLY!!!!!
Try that number, it might work for you. They can look things up without your SSnumber but they might ask for it.
Good Luck
Lennie :wink:

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