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Hi there:
I have a Target card that is listed as open -- but I'm not so sure it is. I haven't used it since 2003. It has 0 credit limit, 0 balance, 0 past due. The DLA is 4/2003 which is also the DLP. The Date Reported is 4/2004 and the Date Opened is 8/2001. I called once when I was about to go to professional school from undergrad to see if it was open, and I don't think they said it was. Is this having any sort of adverse actions on my FICO or is it neutral, or positive? Should I note that in my EQ dispute, call Target? Or just leave it be?
EDITED: Actually I have TWO Target cards listed just as I stated above. The only difference is the date reported on the second listing is 7/2006. What should I do, or not do with this listing too! Thanks!
Thanks!
@Anonymous wrote:Hi there:
I have a Target card that is listed as open -- but I'm not so sure it is. I haven't used it since 2003. It has 0 credit limit, 0 balance, 0 past due. The DLA is 4/2003 which is also the DLP. The Date Reported is 4/2004 and the Date Opened is 8/2001. I called once when I was about to go to professional school from undergrad to see if it was open, and I don't think they said it was. Is this having any sort of adverse actions on my FICO or is it neutral, or positive? Should I note that in my EQ dispute, call Target? Or just leave it be?
EDITED: Actually I have TWO Target cards listed just as I stated above. The only difference is the date reported on the second listing is 7/2006. What should I do, or not do with this listing too! Thanks!
Thanks!
Message Edited by hollinsprincess on 07-02-2009 02:40 PM
If I were you, I would leave it alone. These are helping your AAoA. They don't help utilization, but don't hurt either. If you begin asking questions, the accounts may be updated and then they will drop 10 years from close.