https://ficoforums.myfico.com/t5/General-Credit-Topics/closed-account-with-120-late/m-p/160927#M78306 <DIV>&nbsp;&nbsp; If the account was paid in 04 and it is being reported as late in 07 that is not right.&nbsp; I personally would dispute it with the CRA saying the account is paid in full and should have no lates.</DIV> Fri, 22 Feb 2008 16:59:44 GMT Anonymous 2008-02-22T16:59:44Z https://ficoforums.myfico.com/t5/General-Credit-Topics/closed-account-with-120-late/m-p/160924#M78304 <DIV>If an account is reporting closed, but states 120+ past due, but states paid or closed.&nbsp; Does this affect my credit score, since its not an open account? and should the current status state paid or $0, since it is closed? this is an old student loan, that i consolidated in 2001.&nbsp; It was last updated in 2007, but i don't understand why they updated with a 120 days past due, since it is closed.&nbsp; and since it was updated 5/07, but paid 5/04, will this bring down my score?&nbsp; My overall question is: Does this affect my credit score, since its not an open account?</DIV> Fri, 22 Feb 2008 16:56:36 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/closed-account-with-120-late/m-p/160924#M78304 treschic 2008-02-22T16:56:36Z https://ficoforums.myfico.com/t5/General-Credit-Topics/closed-account-with-120-late/m-p/160927#M78306 <DIV>&nbsp;&nbsp; If the account was paid in 04 and it is being reported as late in 07 that is not right.&nbsp; I personally would dispute it with the CRA saying the account is paid in full and should have no lates.</DIV> Fri, 22 Feb 2008 16:59:44 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/closed-account-with-120-late/m-p/160927#M78306 Anonymous 2008-02-22T16:59:44Z