New Visitor
Posts: 2
Registered: ‎09-18-2012
Question about closed bank account & ChexSystems

I had a bank account that was closed with a -$300 balance. The debt was sold to a CA (turning point capital). This item is not on my credit report.


I have 2 questions.


1. Do bank account debts and history not affect the credit score? Do they report to ChexSystems instead of FICO? or both? Am I just lucky this hasn't hit my credit report yet?


2. If I pay the CA and not the original debt holder (the bank), will that get reported to chexsystems improving my score with them? 


Thanks... I'm a newbie here so sorry if this has already been addressed somewhere.