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Closed Credit One

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Super Contributor

Re: Closed Credit One

Just curious, have any of you who had your tradeline removed after closing your account, ever file a complain with the CRAs ? This sounds like a violation of the FCRA




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>01/2020 CCT EX 832 TU 848 EQ 842
It's just a jump to the left
And then a step to the right
Put your hands on your hips
You bring your knees in tight
But it's the pelvic thrust that really drives you insane
Let's do the Time Warp again!
Let's do the Time Warp again!

Message 21 of 25
Moderator Emeritus

Re: Closed Credit One


@Meanmchine wrote:

Just curious, have any of you who had your tradeline removed after closing your account, ever file a complain with the CRAs ? This sounds like a violation of the FCRA


The mandate is that information is reported accurately, but AFAIK, there is no mandate to report any information.

 

But yes, the removal of the TL is unusual.  I closed my Credit One account 3 years ago and its still on all my CRs.  



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Message 22 of 25
Established Contributor

Re: Closed Credit One

They do not have to legally report the TL. A small amount of lenders don't even report current open trade lines. The only thing they are required to do is make sure if they do report any information, that it is accurate.
Message 23 of 25
Established Contributor

Re: Closed Credit One

Evil genius move by Credit One here. Sucker people into keeping accounts open and paying fees because they are afraid to close it and lose the history. Yet another reason not to apply for that kind of stuff.
Message 24 of 25
Super Contributor

Re: Closed Credit One

Im not sure about that. I know CRAs dislike PFD because it circumvents the 7 year reporting requirement. There is a difference when dealing with a hidden tradeline that has never reported to the malicious altering of a customers file. While there is no requirement thst all account be reported to CRAs, IMO once they do report, they should be goverend to the 7/10 year reporting requirements.  Just my 2 cents If it were me, Id be filing complaints




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>01/2020 CCT EX 832 TU 848 EQ 842
It's just a jump to the left
And then a step to the right
Put your hands on your hips
You bring your knees in tight
But it's the pelvic thrust that really drives you insane
Let's do the Time Warp again!
Let's do the Time Warp again!

Message 25 of 25
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