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MCYDSNB credit card/VISDSNB - How to remove it from credit report?

The name of VISDSNB (Visa Department Store National Bank) may pop-up in your credit report if you have applied for a credit card through the store line of Federal departmental stores, one such card is Macy's card.

When you set up an account with any of the federal departmental stores, they may also create a parallel visa account along with the original one. Hence, if you're trying to close the account with Macy, make sure that you close both the accounts at the same time. Otherwise, you may keep accumulating debts on the other account.

However, if you're sure that you have no relation whatsoever with Macy or any other Federal Departmental Stores, you have the option to dispute the entry with the Credit Reporting Agencies. Here are the contact details of the three credit bureaus

  • Equifax (800-685-1111) ( )
  • Experian (888-397-3742) ( )
  • TransUnion (800-888-4213) (
Amongst the three, Equifax also offers the facility to dispute online. You can register your complaint by filling-up the form available in their site.

To dispute with the credit bureaus, you're required to send them a letter requesting them to investigate into the questionable accounts. You should mention your name, address, SSN and the accounts details those you'd like to dispute, in the letter.

After receiving your dispute letter, the CRA will probe into the matter. If they can't establish the account, they'll wipe the item off your report. However, along with the CRAs, you should also send a letter of debt validation to the creditor.
I just got my credit report recently, and there is...
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Posts: 5
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I just got my credit report recently, and there is a VISDSNB account. I don't think I have opened that account, I wonder what is VISDSNB, so that I can close that account.

This is the information available on the credit report:
MASON, OH 45040
No phone number available

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Sub: #1 posted on Tue, 02/16/2010 - 12:54


I have in my credit report as a second acc holding that is in late , but I don't even have any joint acc can you told me what can I do

Sub: #2 posted on Fri, 05/15/2009 - 04:01


hi! How do I remove this from my report? I have a closed Macy's credit card accountt and an open Bloomingdales one. ( which I can close).

Sub: #3 posted on Sat, 11/15/2008 - 07:56


How can i close this NCYDSNB account

Sub: #4 posted on Tue, 07/22/2008 - 17:32



Sub: #5 posted on Fri, 06/20/2008 - 22:28


Hey guys, waht if I already have been using macys visa card and let say didn't it is visa not macys card, is there any chance to cancel it?

Sub: #6 posted on Mon, 05/19/2008 - 08:48


Much to my suprise after i got a couple of letters in the mail from capital one concerning a possible fraudulent account opened in my name i got on the internet to retreive my free credit reports and you wouldnt believe the list of things someone had been trying to apply for in my name. Luckly i dont have the best credit seing as im still very young, so they only got one credit card in my name that i can see now. That one though is enough! I found on my report that they had applied for this Macys/DSNB but i dont think they were accepted? I am not sure. I was wondering if anyone knew about any way i could find out for sure if they did open an account in my name? I would greatly appreciate any infon anyone has to offer.

Sub: #7 posted on Mon, 05/19/2008 - 03:02


I just noticed this on my credit report under MCYDSNB...but apparently is been open since 2001....if I have it removed will that negatively effect my credit report? Maybe I should just leave it on there....any advice?

Sub: #8 posted on Tue, 05/06/2008 - 20:45


Ok I think I know whats happening. Atleast in my case I see a MCYDSNB also in my report that corresponds to Macy's card. As I recall Macy's open two cards for you one with Visa. I remember this as there was an issue once that they posted my payment on two this account my mistake. So I am pretty sure that this one corresponds to VISA card that Macys opened for you.


Sub: #9 posted on Mon, 04/28/2008 - 09:19


You guys are just helped me save my boss from possible fraud..Bloom card opened in his name and he never opened it...i didn't know what the BLMDSNB was so i did the search and here you all are!! :D I got the phone number here and cancelled the card! THANKS!!!

Sub: #10 posted on Wed, 04/23/2008 - 20:48


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