Credit Card Center Advertiser Disclosure

New Contributor
Posts: 61
Registered: ‎03-15-2009
0 Kudos

Contact for National Grid in RI. RE-AGING

I have an account with National Grid that is over 7 years old that they are re-aging. National grid says they can report it on my credit report for 10 years. They did however send me a letter stating when the account was open and when the account was closed on their letter head. I sent a copy to the CRA and disputed the account on my credit report and Experian said my info was not sufficient to delete the account, and "confirmed" the information with National Grid and the account will stay on my credit report. Does anyone have a point of contact for National Grid and any suggestions as to how to move forward with this????

Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
0 Kudos

Re: Contact for National Grid in RI. RE-AGING

It's paid I'm assuming?  What's the date of first deliquency, and what are they re-aging it to?  And on the basis of what?


Also, I too am in RI.  National Grid can be a PITA in most ways.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
Moderator Emeritus
Posts: 14,122
Registered: ‎04-15-2011
0 Kudos

Re: Contact for National Grid in RI. RE-AGING

Positive accounts stay on for 10 years after paid, negative with a CO fall off 7 years + 180 days from the DOFD and lates fall off 7 years from their respective dates. 

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Community Leader
Epic Contributor
Posts: 29,726
Registered: ‎03-19-2007
0 Kudos

Re: Contact for National Grid in RI. RE-AGING

[ Edited ]

Nothing in the FCRA requires deletion of accounts of the creditor, or requires that they remain in a consumer's credit report, based on passage of time.


The FCRA, more specifically, sections 605(a) and (c), regulate the ability of a credit reporting agency to issue credit reports that contain adverse items of information after the dates listed.  The exclusion only applies to the adverse item of information, not the account.  It does not regulate how long a furnisher has to report adverse information, and does not preclude them from doing so after the credit report exclusion period.  It is the responsibility of the CRAs to monitor reporting and ensure that adverse information is not included in their credit reports after the expiration date.


Collections are not accounts with the consumer, and are a bit different.  They are, in and of themselves, and adverse item of information that stems from an account with the consumer, and thus expiration of the credit report exclusion period mandates exclusion of the collection.


Deletion of accounts after 10'ish years from closing is purely an administrative policy of the CRAs.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.