If an account is reporting closed, but states 120+ past due, but states paid or closed. Does this affect my credit score, since its not an open account? and should the current status state paid or $0, since it is closed? this is an old student loan, that i consolidated in 2001. It was last updated in 2007, but i don't understand why they updated with a 120 days past due, since it is closed. and since it was updated 5/07, but paid 5/04, will this bring down my score? My overall question is: Does this affect my credit score, since its not an open account?
