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Ok, so I was able to get the free trial at CCT to see my FICO8 score. According to CCT my score is 570. I have quite a few deliquient and negatives but most are pretty old. I do have some questions though. Some years ago (around 2012) I took out a student loan. It was eventually paid off. Paid off very late, but paid off. On my Experian report this account is showing as closed, balance of 0 and payment status of "unknown" is this a bad thing? Should I try and dispute or fix this? It is being updated regularly and was updated this month.
@Anonymous wrote:Ok, so I was able to get the free trial at CCT to see my FICO8 score. According to CCT my score is 570. I have quite a few deliquient and negatives but most are pretty old. I do have some questions though. Some years ago (around 2012) I took out a student loan. It was eventually paid off. Paid off very late, but paid off. On my Experian report this account is showing as closed, balance of 0 and payment status of "unknown" is this a bad thing? Should I try and dispute or fix this? It is being updated regularly and was updated this month.
I have a bunch like this too - $0 balance but staus is unknown. Some of these were paid before the bankruptcy this year and some were included in the BK7. Not sure whether I need to dispute these or not...
Payment rating and current status are different animals.
What is the current status?