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Does anybody know if a transferred or sold account is factored in caculating the credit score? I have a transferred closed account on my Experian report. The creditor that the account was sold to deleted its tradeline.
Should I try to get the tradeline taken off? If its not affecting my score, I want to leave it alone. I don't like dealing with Experian.
thanks for your reply
If an OC sells or assigns a CO then the OC can report 7 - 7.5 years from DOFD. It doesn't matter if it is paid or not.
If assigned to a CA the OC will report a Bal owed. If sold then they would report a Bal of $0
When a CA is involved then it is up to the CA to delete or not. The CA has no control over the OC.