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New Member

Question

Before I call my old bank I wanted to ask, my credit report still shows an open credit card with them, however they closed it a few years ago due to late payments etc but not sure why it still shows on my credit report as an open card.  Should I call the Bank or the Big 3? 

 

THanks

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Current Score: 651 TU
Goal Score: 750


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Message 1 of 4
3 REPLIES
Established Member

Re: Question

Depends on what bank really. For example, I have been dealing with a Cap One case and although the account was in collection (Cap One does either in-house or assigned jobs), the account was showing up on the Experian reports as open. I am still to get to the bottom of this. I will post as soon as I find out what is going on.
Message 2 of 4
Moderator Emeritus

Re: Question

I recommend doing nothing. Is the account a negative?

Message 3 of 4
New Member

Re: Question

it shows a Balance of Zero and then my old Availible Line of credit and I would assume has carried a zero balance for 6 years, now this same account did have baddies on them at on point so maybe ir will roll off after the last baddie? 

Starting EQ 601
Now: EQ 612


Starting Score: 629 TU
Current Score: 651 TU
Goal Score: 750


Take the myFICO Fitness Challenge
Message 4 of 4