I had a credit card that was closed in December of 2001. I never made a payment in December of 04 so why is this showing up on my report as such? This credit card was from my college days of 400 scores and now I have climbed up to the mid 600's range for all three CRA's. Does anyone have any advice on what to do?
Credit Card Citi Status as of December 2004Date opened [?] Jun, 1997 Date of last activity [?] Dec, 2004 Account number [?] XXXXXXXXXXXX Account type [?] Credit Card, Terms REV Credit limit [?] $2,850 Credit Type [?] Revolving Account holder [?] Individual
Descriptions [?]
- Account closed at credit grantor's request
No contact information provided by Experian
Balance [?] Current Status [?] Past Due Amount [?] Not on Record Paid account/was a charge-off Not on Record Seven year payment history [?] 30 days late 3 times 60 days late 3 times 90+ days late 24 times (Nov 2004, Oct 2004, Sep 2004, Aug 2004, Jul 2004, Jun 2004, May 2004, Apr 2004, Mar 2004, Feb 2004, Jan 2004, Dec 2003, Nov 2003, Oct 2003, Sep 2003, Aug 2003, Jul 2003, Jun 2003, May 2003, Apr 2003, Mar 2003, Feb 2003, Jan 2003, Dec 2002) Recent payment history [?]
1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 2003 2004 Legend: 
Unknown 
Currently paid as agreed
1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 2003 2004 Legend: Unknown Currently paid as agreed
tpere925 wrote:
I had a credit card that was closed in December of 2001. I never made a payment in December of 04 so why is this showing up on my report as such? This credit card was from my college days of 400 scores and now I have climbed up to the mid 600's range for all three CRA's. Does anyone have any advice on what to do?Date opened [?] Jun, 1997 Date of last activity [?] Dec, 2004 Account number [?] XXXXXXXXXXXX Account type [?] Credit Card, Terms REV Credit limit [?] $2,850 Credit Type [?] Revolving Account holder [?] IndividualDescriptions [?]
- Account closed at credit grantor's request
No contact information provided by Experian
Balance [?] Current Status [?] Past Due Amount [?] Not on Record Paid account/was a charge-off Not on Record Seven year payment history [?] 30 days late 3 times 60 days late 3 times 90+ days late 24 times (Nov 2004, Oct 2004, Sep 2004, Aug 2004, Jul 2004, Jun 2004, May 2004, Apr 2004, Mar 2004, Feb 2004, Jan 2004, Dec 2003, Nov 2003, Oct 2003, Sep 2003, Aug 2003, Jul 2003, Jun 2003, May 2003, Apr 2003, Mar 2003, Feb 2003, Jan 2003, Dec 2002) Recent payment history [?]
If you haven't had any activity on that card since 01 I would definitely disoute it. With a date of last activity showing 04 it adds three years to the time it will appear on your credit files. Does it show a balance due? Was it charged off or turned over to collections?
The CA must send you a letter giving you 30 days to dispute the validity of this debt..
(CA means Collection Agent)
It is illegal but many CA's will re age the accnt to try & slip by the 7 yr deletion requirement,again this is against the law!
If you make the mistake of aknowledging this debt as yours or worse making a payment ,it could start the cycle all over leaving you on the legal hook for it 
This happened to me in court & cost me 2 K in garnishment.
My advice would be to send a letter to the CA bothering you stating this debt isn't valid.
They are required to stop reporting this to an CRB's(Experian,Transuinion or Equifax) while they investigate this .
Any CRB's have 30 days to make sure of the vaildity of this debt or it MUST be deleted .
It's quite rare but sometimes this doesn't happen 
Next step is to inform them of this mistake & that they are facing a lawsuit now,this will get their attention & action taken 
It's unfortunate but sometimes lawyers must get involved .
Your letter of dispute should take care of this matter though .