Moderator Emeritus
Posts: 10,918
Registered: ‎12-30-2011
Re: Closed Account Reporting Correctly? Possible to Dispute?
Hopefully a mod will move this to the Undertanding FICO scoring as you'll get a better answer there.

I'm not certain on this but it looks like it was closed with the 180 day late reporting, pretty much like a credit card delinquency being charged off. I don't know that this is accurately reporting, but I don't think it will matter for scoring purposes.
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 693, EQ 8 685, TU 705, EX 709 (02/27/15)
Goal Score: 700 on EQ 04 (01/01/16)

Take the myFICO Fitness Challenge