"Recent Bal: N/A"

[Anonymous]

According to experian, I have "7 potentially negative items or items for further review".  All of the 7 are old debt which have been closed, refinanced, paid, paid in settlement/charge off, etc. 

Here's what I don't understand:

Under the recent balance it says: N/A.

Credit limit or orig amt: $______ (their respective $ amt).

Monthly payment: N/A

Last reported: Nov 2005.

Wouldn't this give new lenders the notion that I still might carry a balance even though I know they are all at zero? Is there any letter I can send for them to delete, etc?

Thanks

[Anonymous]

Do they say paid in the comments or remarks?

You can dispute the balance, but I think when a CA updates an account it makes it appear as a more recent collection and could hurt your score.

[Anonymous]

Yes, they either say paid, settled less than, closed.

But the balance says N/A

[Anonymous]

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trashyart2000 wrote:

Yes, they either say paid, settled less than, closed.

But the balance says N/A

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Personally, I'd let it be.

If a creditor does a manual review they can read the comments.