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New Visitor
Posts: 4
Registered: ‎07-29-2009

Card with no balance but it's negative on all three credit reports?

I'm so confused!


I just pulled all three of my reports to find a credit card, which was paid in full five years ago, listed as negative on my credit report. What's going on here and how do I fix it and and get it off my reports?


Thanks so much for your reponses! I'm new, and obviously confused! Smiley Wink

Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008

Re: Card with no balance but it's negative on all three credit reports?

Did this card ever have any late payments?  Did you pay it off or was it a charge off?  Both will report a zero balance.



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09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
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New Visitor
Posts: 4
Registered: ‎07-29-2009

Re: Card with no balance but it's negative on all three credit reports?

I paid this in full five years ago, in 2003 and never had any late payments.


What should I do? Close the account?


Regular Contributor
Posts: 200
Registered: ‎07-26-2009

Re: Card with no balance but it's negative on all three credit reports?

did you ever lose the credit card and report it lost or stolen? I lost a card once and had it replaced from the bank and I noticed there was a "potentially negative account" email sent to me from and it was due to the credit card that was lost/stolen. Not sure how or why that would be negative information, but I called the bank and chewed someone a new one, and they fixed it.
Valued Member
Posts: 38
Registered: ‎03-24-2009

Re: Card with no balance but it's negative on all three credit reports?

[ Edited ]
I would give the bank a call if you haven't done so already..
Message Edited by tiffanie on 07-29-2009 09:45 PM

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