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New Contributor
Funk-O-Meter
Posts: 95
Registered: ‎04-02-2012
0

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, Chase Sapphire Preferred 6.4K Amex Blue Cash 9k, Discover More 5K, Citi Simplicity 3.2k

RIP: Orchard/Cap1 520CL

Fico 726

Valued Contributor
mxp114
Posts: 1,356
Registered: ‎09-01-2011
0

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: 6,281
Registered: ‎01-05-2013
0

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: 95
Registered: ‎04-02-2012
0

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, Chase Sapphire Preferred 6.4K Amex Blue Cash 9k, Discover More 5K, Citi Simplicity 3.2k

RIP: Orchard/Cap1 520CL

Fico 726


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