I just noticed that my EQ and EX reports are showing one of our Open auto loans as "Closed" with an open balance of 8,000. TU has it reported correctly as "Open". I called the lender and verified that it is open and in good standing.
Since this is showing up as the major anchor dragging down my EQ FICO (540!!!), I wanted to see if anyone here could provide an opinion of how negative this is likely to be viewed by the FICO algorithm.