Reply
Regular Contributor
Yoli14
Posts: 163
Registered: ‎01-03-2012

Closed account now reporting

did have a couple of accounts with GE and I closed them back in 2006 when I PIF. After a few years they stopped reporting but recently   I asked for a GW to remove the negative tradelines on the accounts and now they're are reporting each month. Does this help my score in anyway?

Myfico on 02/21/12
Trans: 538 EQ: 591 Ex???
Myfico on 10/09/12
Trans: 600 EQ 602 EX???
Lender Pull 04/15/13
Trans 680, EQ 644, Ex 608
"I'm not telling you it is going to be easy, I'm telling you it's going to be worth it"
Moderator
guiness56
Posts: 22,407
Registered: ‎01-17-2008

Re: Closed account now reporting

Regular Contributor
Yoli14
Posts: 163
Registered: ‎01-03-2012

Re: Closed account now reporting

Well on the status it's closed account and reporting each month  ok

Myfico on 02/21/12
Trans: 538 EQ: 591 Ex???
Myfico on 10/09/12
Trans: 600 EQ 602 EX???
Lender Pull 04/15/13
Trans 680, EQ 644, Ex 608
"I'm not telling you it is going to be easy, I'm telling you it's going to be worth it"
Moderator
guiness56
Posts: 22,407
Registered: ‎01-17-2008

Re: Closed account now reporting

If the account is PIF and closed I don't think it should still report monthly..

 

How long ago were the lates?

Regular Contributor
Yoli14
Posts: 163
Registered: ‎01-03-2012

Re: Closed account now reporting

Experian® Equifax® TransUnion®

 

Account Name GECRB/DILLARDS GECRB/DILLARDS GECRB/DILLAR

Account # 60458721XXXX 

Account Type Charge Account Revolving or Option Revolving account
Balance $0.00 $0.00
Date Opened 4/1/2006 4/1/2006 4/30/2006
Account Status Closed Closed Closed
Mo. Payment
Past Due $0.00

 

Payment Status Paid, was past due 90 days Pays account as agreed Paid or paying as agreed
High Balance $215.00 $150.00 $215.00
Limit $150.00 $150.00
Terms Revolving
Comments Credit line closed-grantor request-reported by subscriber
PAID ACCOUNT / ZERO BALANCE
ACCOUNT CLOSED BY CREDIT GRANTOR
Canceled by credit grantor
24 MONTH PAYMENT HISTORY

2011 2012 2013
FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN

OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Experian
Equifax
TransUnion

 

this is how it's currently reporting 

Myfico on 02/21/12
Trans: 538 EQ: 591 Ex???
Myfico on 10/09/12
Trans: 600 EQ 602 EX???
Lender Pull 04/15/13
Trans 680, EQ 644, Ex 608
"I'm not telling you it is going to be easy, I'm telling you it's going to be worth it"
Moderator
guiness56
Posts: 22,407
Registered: ‎01-17-2008

Re: Closed account now reporting

Other than the remark it was 90 days past due, I don't see any negative reporting in the payment history.  Is it reporting as a negative account or in good standing?


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+