I have 2 of these exact types of accounts also. One doesn't bother me so much as it shows all positive information even though it wasn't a positive account. The second account does bother me because it shows my high balance alnost double the credit limit. Should I have this removed or let it be? A CR I have from 5 years ago states "closed at consumers request".
If it shows "open - pays as agreed" let it report for as long as they want to let it report. 😀
So creditors and lenders don't really care about the high limit vs credit limit?
And it actually comes up as closed and then says "pays as agreed" lol
Yeah that's initially what confused me, mine also says closed-pays as Agrees which is fine. Usually an account in good standing stays on your report for 10 years
And that is what confused me! This account was closed in 2005!
I cared, that's why. I didn't want it to look negative in any fashion as I am rebuilding right now. Thank you for the follow up explanation, as that actually makes sense, and now I won't feel like it would be viewed as potentially negative feedback anymore. I will just let it be.