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Creditor Removed Active Account

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Anonymous
Not applicable

Creditor Removed Active Account

Why would a creditor remove a positive active account ($15,000+ balance) on all 3 credit bureaus? When I log into my account online, it is still open and current with payment due dates. My credit scores took hits with the removal. Will it come back and I take more hits for a "new account"?

 

 

Message 1 of 6
5 REPLIES 5
Horseshoez
Senior Contributor

Re: Creditor Removed Active Account


@Anonymous wrote:

Why would a creditor remove a positive active account ($15,000+ balance) on all 3 credit bureaus? When I log into my account online, it is still open and current with payment due dates. My credit scores took hits with the removal. Will it come back and I take more hits for a "new account"?

 

 


I'm thinking more info would be required before anybody can make an informed suggestion, things like, what the rest of your credit profile looks like, the account type and financial institution for the account no longer reporting, how long that account has been open, what your credit limit is; you know, stuff like that.  Smiley Happy

Chapter 13:

  • Burned: AMEX, Chase, Citi, Wells Fargo, and South County Bank (now Bank of Southern California)
  • Filed: 26-Feb-2015
  • MoC: 01-Mar-2015
  • 1st Payment (posted): 23-Mar-2015
  • Last Payment (posted): 07-Feb-2020
  • Discharged: 04-Mar-2020
  • Closed: 23-Jun-2020

 

I categorically refuse to do AZEO!

In the proverbial sock drawer:
Message 2 of 6
Anonymous
Not applicable

Re: Creditor Removed Active Account

It was a revolving car loan with a balance over $15k still owed. Had the account in good standing since 2018. I have no collection or delinquent accounts. The loan is with Santandor but my state, Texas, is not included in the lawsuit against them. 

Message 3 of 6
SouthJamaica
Mega Contributor

Re: Creditor Removed Active Account


@Anonymous wrote:

It was a revolving car loan with a balance over $15k still owed. Had the account in good standing since 2018. I have no collection or delinquent accounts. The loan is with Santandor but my state, Texas, is not included in the lawsuit against them. 


Perhaps check your report to see if it's being listed somewhere as a closed account.

 

 


Total revolving limits 657200 (536700 reporting) FICO 8: EQ 712 TU 710 EX 708

Message 4 of 6
Anonymous
Not applicable

Re: Creditor Removed Active Account

I checked! It is not listed anywhere. 

Message 5 of 6
babygirl1256
Senior Contributor

Re: Creditor Removed Active Account

@Anonymous Welome to myFICO forum . . . Have you attempted to contact Santandor's customer service -and/or- their management team? If so, what was their response?

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 6 of 6
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