I was an AU on a card until February of this year. I pulled a TU report on here for QM and that account is listed as "account relationship terminated." It also appears to still be factoring into my UTL. I checked Credit Sesame today as well and its balance was not factored in. I have to check my EX report later to see if the account is completely gone, or if it is "relationship terminated" as well.
I guess what I'm asking is...Is there any downside to leaving the account on my report as RT? I definitely don't want its balance being counted toward my UTL, but I don't mind the account staying on since it is has a significantly larger CL than the rest of my accounts. Could it also be possible it's being counted in UTL only because of how the MyFico reports are structured? If the account stays on the report, does a creditor essentially ignore it?
Starting Score: 515 Current Score: EQ08 711 EX08 731 TU08 735 Goal Score: 740+ Amex BCP $25k | Discover IT $15.7k | Cap 1 QS $10k | PSECU $10k | Citi DC $9300 | Citi DP $6800 | Barclay Ring $6500 | PayPal Extras MC $5045 | DCU $5000 | Chase Slate $5000 | Barclays AA $4100 | Chase Freedom $4000 | Union Plus $1000 | Target $500