OLD CLOSED 2000 MACYS ACCT REPORTING 5 TIMES AS OPEN

[Anonymous]

i found macys acct in my equifax ( i believe this already closed)

account number :486234291XXXX

account owner : individual

type of account : open

date opened : 03/2000

date reported : 04/2004

scheduled payment : 0

charged off amount : 0

balloon payment amount : 0

date of first deliquency : N/A

current status : pays as agree

credit limit : $.0

date of last activity : 04/2004

month review: n/a

type loan : charged account

NOTE : I FOUND 5 same account reporting / duplicate reporting, so looks like i have 5 macys acct in my equifax

my question is : is there any benefits if i just leave alone like that, or do i have to dispute ? since the original acct already closed about 10 years ago.thanks, advice really appreciated

[FicoScore626]

I have the same thing with an old closed Macy's account from 1994 still being reported on TransUnion as being open and it's basically giving a boost to my credit because of the age of the account so I don't ever plan on disputing it.   I figure, what TransUnion doesn't know won't hurt me.

[MarineVietVet]

I would leave everything alone. As long as any account in good standing is reporting as open it will help your AAoA and credit length history.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Anonymous]

I thought "type of account: open" just means that it's a charge card.

Edit: Oh, I guess you refer to the "current status: pays as agreed" part .

[Anonymous]

even the credit limit $0 ?

thanks for the opinion

[Anonymous]

equifax say i have 9 open account , 4 credit card i have now plus 5 macys.

[MarineVietVet]

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@Anonymous wrote:

even the credit limit $0 ?

thanks for the opinion

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It doesn't matter what the CL, balance, payments, etc. shows it still is helping you and needs to be left alone.

Just my 2 cents.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Anonymous]

thanks marinevietvet, semper fidelis