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New Contributor
Funk-O-Meter
Posts: 90
Registered: ‎04-02-2012

Closed Orchard account still showing on my reports. Please advise.

[ Edited ]
I closed my Orchard Bank starter card account last year but noticed today that its still showing on all three of my reports as "Open" with a $79 balance. The $79 balance would be the annual fee that would have been assessed had I kept the card. I logged into the Orchard website and my account shows closed since September 2012 and $0 balance.

How should I remedy this?

Also, is it possible that this may be advantageous where AAOA is concerned? It was my oldest card by more than a year.

Thanks.
From no credit to EQ 747 in 16 months using info from these forums.

Chase Freedom 3k, Chase Slate 5k, Amex Blue Cash 6k, Discover More 1.5K

RIP: Orchard/Cap1 520CL

TU:702
EQ: 698

Down from 747 cause I used em' :smileysad:

Valued Contributor
mxp114
Posts: 1,356
Registered: ‎09-01-2011

Re: Closed Orchard account still showing on my reports. Please advise.

File a dispute on any of the reports undr incorrect balance, this will trigger them to update all three reports to reflect closed $0.

Valued Contributor
FocusedAndDetermined
Posts: 6,246
Registered: ‎01-05-2013

Re: Closed Orchard account still showing on my reports. Please advise.

Put in a dispute.  Even if the account is closed it will remain on your reports for many years.  I have accounts showing from the early 90's, but that's a little unusual.  Up to 10 years is the norm.

New Contributor
Funk-O-Meter
Posts: 90
Registered: ‎04-02-2012

Re: Closed Orchard account still showing on my reports. Please advise.

Done. Thanks.
From no credit to EQ 747 in 16 months using info from these forums.

Chase Freedom 3k, Chase Slate 5k, Amex Blue Cash 6k, Discover More 1.5K

RIP: Orchard/Cap1 520CL

TU:702
EQ: 698

Down from 747 cause I used em' :smileysad:


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