Posts Tagged ‘ closed ’

Paid account will not be deleted from your report immediately

Dear Experian, How can an account I paid off and closed still be on my report? It has been there since 2008. - CBH

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Contact your lender to make sure account is closed before initiating a dispute

Dear Experian, How do I dispute an account on my report? Experian is showing an account open that has been closed for two years. - SCH

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Make payments only to the collection agency that currently owns the debt

Dear Experian, I have two collection agencies reporting the same item. If I pay the current collection company will both of them be updated as paid in full or do I have to pay them separately? - WJH

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Closed accounts will remain in credit history for up to 10 years

Dear Experian, How do I have old credit card accounts that are long ago closed or paid off removed from my credit report? I know that my score is negatively affected because of so many "open" accounts! - EDC

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Paid student loans listed by semester won’t hurt credit

Dear Experian, I have student loans on my report with different amounts but the same account number. They are all under accounts in good standing. I think that they are repeated. They are listed nine times! I also have two other student loan accounts with the same account number but with a different company. I have consolidated my school loans twice so I'm assuming that they are from before I consolidated. Do all these hurt my credit? They are all paid/never late/closed, but I'm concerned it shows that I over extend myself. - AMS

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Settled account status more important than who closed the account

Dear Experian, How bad does it affect your credit when a creditor reports an account closed by consumer and settled for less then the balance owed? - NIC

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The difference between “closed” and “paid in full”

Dear Experian, Some of my accounts that are paid in full show “closed” instead of “paid in full.” Does this hurt my credit rating? If my account is paid in full but did have delinquent payments throughout the term of the loan, can it be deleted seven years from the original delinquency date? - OGG […]

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Transferred/closed student loan history still affects credit scores

Dear Experian, I recently filed a dispute to get the status of my federal student loans changed. They were reported as delinquent because of missed payments. However there was a forbearance put on the account, and after the dispute, the status was updated to transferred/closed. Should my score improve with this update? - CMW

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How consolidated student loans will appear in your credit report

Dear Experian, I recently consolidated my student loans with one vendor, but all my other accounts still appear on my credit report. It says it has been transferred, but I would like to know if I can remove those accounts from my report since they are counting as open installment loans. -SCB

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Explaining account status descriptions, including “transferred, closed”

Dear Experian, What does “transferred, closed” mean on an account? - GER

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The meaning of “closed/current” and other account status descriptions

Dear Experian, In the status category what does “closed/current” mean? If an account was closed it should be closed right? I just do not understand why some just say “closed” and others “closed/current.” - EJH

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A dispute results in an account being “updated” and “closed”

Dear Experian, I disputed an account on my credit report. It came back "updated," and on the status shows “closed.” Then it states, "account closed by grantor’s request." Does this mean it is closed and I don't have to pay that account, or does it mean something else? - BXK

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