Reporting of closed does not per se result in exclusion of the collection from scoring.
Closed means that the debt collector has reported that they are no longer pursuing collection on the debt.
It is required once a debt has been paid or collection authority has been terminated, either by termination of assigned collection authorty if they dont own the debt, or thier sale of the debt if they owned it.
Have you paid the debt?
If not, then do you have any documentation that the debt collector has, in fact, had their collection authority terminated?
If you have not paid and have documentation of termination of collection authority, CRA policy is that the debt collector should delete their reported collection.
