To Remove Or Not To Remove?

Anonymous · ‎09-07-2011

Would this be something I'd want to remove from my credit? It was my ex-wife's account and I was on it for awhile. It shows a maxed balance but it's probably the oldest of my credit histories.

SEARS/CBNA

701 E 60TH ST NORT
PO BOX 6241
SIOUX FALLS , SD 57117
(800) 917-7700

Date Updated: 05/2002

High Balance: $1,880

Credit Limit: $1,700

Past Due: $0

Pay Status: Paid or Paying as Agreed

Account Type: Revolving Account

Responsibility: Account Relationship Terminated

Date Opened: 11/1997

Loan Type: Charge Account

Anonymous · ‎09-08-2011

@Anonymous wrote:
Would this be something I'd want to remove from my credit? It was my ex-wife's account and I was on it for awhile. It shows a maxed balance but it's probably the oldest of my credit histories.

SEARS/CBNA

701 E 60TH ST NORT
PO BOX 6241
SIOUX FALLS , SD 57117
(800) 917-7700

Date Updated: 05/2002
High Balance: $1,880
Credit Limit: $1,700
Past Due: $0
Pay Status: Paid or Paying as Agreed
Account Type: Revolving Account
Responsibility: Account Relationship Terminated
Date Opened: 11/1997
Loan Type: Charge Account

Maybe you didn't copy all of the info, but there is no balance here. Are you sure of the balance?

Anonymous · ‎09-08-2011

There's no balance on it. I'm referring specifically to the high balance which is extended beyond the credit limit.

Anonymous · ‎09-08-2011

It doesn't necessarily mean that the card was maxed out. Ex-DW could have had a CLD (credit limit decrease).

I had something like that on a sock-drawered card for a while. Nothing to be concerned about.

RobertEG · ‎09-10-2011

It appears to be a 14 year old card closed in good standing. It is helping your average age of accounts.

It looks to be a benefit. I see no reason to ask for its deletion.