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What is the appropriate status for a paid/closed installment account?

Valued Member

Re: What is the appropriate status for a paid/closed installment account?

Thank you so much!  They fixed it and myFICO is now 748...whew!


Starting Score: EQ 740, EX 792 (lender pull), TU 772 (lender pull)
Current Score: EX 850, EQ 835, TU 755
Goal Score: all over 800


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Message 11 of 13
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New Member

Re: What is the appropriate status for a paid/closed installment account?

It took about a week but the OC updated the CRA's to reflect Current Status as Paid as Agreed.  I actually would have expected it to have some effect, but apparently not based on the Score Tracker.  But at least it no longer looks to human eyes as being currently past due.  For reference the "date reported" field for the account was Mar 2006, so unlike R_W_,  I think that's the reason it likely was doing little damage, and the change resulted in little benefit.  Thanks to all for advice and support.

 

 

Message 12 of 13
Moderator Emeritus

Re: What is the appropriate status for a paid/closed installment account?

Congrats to you!

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.
Message 13 of 13