Credit Card Center Advertiser Disclosure

Valued Contributor
Posts: 1,054
Registered: ‎09-16-2012
0 Kudos

Can an OC report a closed account to other CRA's?

Can an OC report a closed/paid account to other CRA's if you dispute the negative with the CRA that the negative is reporting to?

There is no CA involved.  OC is listed on the CR.

Community Leader
Epic Contributor
Posts: 29,726
Registered: ‎03-19-2007
0 Kudos

Re: Can an OC report a closed account to other CRA's?



There is no time limit after occurence of an account event in which a furnisher is either required to or prevented from reporting that information.

The only requirement is that they cannot report information that is known or should reasonably have been known to be inaccurate.

Many disputes result in the furnisher doing an account review, and reporting additional information.  It is a risk of disputing.


That usually happens in form of update to the CRA they are already reported to.  Reporting to additional CRAs is less likely, as it often indicates that the other CRAs are not part of their normal reporting.

Valued Contributor
Posts: 1,054
Registered: ‎09-16-2012
0 Kudos

Re: Can an OC report a closed account to other CRA's?

Thanks for the reply Robert.


So I just now went to ex.exdirect to pull the report again and instead I got

I pull it up anyway, and they're showing "FP" (fail to pay) for JUN '12, instead of "KD" that was showing on ex.exdirect.  Both are bad, I know.


The payment graph on EX is empty for all of 2010, 2011, and 2012 except for 'KD' in JUN '12, and 'OK' JULY '12.

An agreement was made with the OC to pay $5000 by NOV '12.  I paid $4000 in AUG '11 and $1000 in JUN '12.  THey said I owed an 'extra' $300 so I paid that too a week later, but still in the month of JUN '12.


I haven't missed a payment on this since late '06.  Account was lst reported in 2001.


I"ve put this account behind me, and try not to even acknowledge it and work around it with my credit rebuilding...i.e. avoiding EX pulls.  Although I did just receive a BoA Cash Rewards card for $1500 that pulled EX.

But, it's bothering me lately.  I feel like it's being reported inaccurately.  I was not late in JUN '12 and I did pay it off.  I paid $1300 in JUN, monthly payment was $200.


I'm in the garden for at least a year.  The account is 12yrs. old.  Let sleepiing dogs lie?

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.