Incorrect reporting does it matter

[Sbrooks1]

USB today finally reported zero balance and closed cards x 2, however they reported both as paid loans and my score actually dropped a few points, is this worth the effort to dispute it be be reported correctly or does it make that much of a difference.  Just curious if anyone knows. 

[GZG]

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@Sbrooks1 wrote:

USB today finally reported zero balance and closed cards x 2, however they reported both as paid loans and my score actually dropped a few points, is this worth the effort to dispute it be be reported correctly or does it make that much of a difference.  Just curious if anyone knows. 

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what exactly does it say and where does it say it? 

it would very unusual for a credit card to be reporting as an installment loan

[Sbrooks1]

It says US Bank

Type: Bank

0.00 Balance

Paid loan

Says the same on both closed cards

[Sbrooks1]

When open it reporting correctly as CC

[Patient957]

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@Sbrooks1 wrote:

It says US Bank

Type: Bank

0.00 Balance

Paid loan

Says the same on both closed cards

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On all 3 CRAs?

[Sbrooks1]

so far has only shown on EQ 

[GZG]

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@Sbrooks1 wrote:

It says US Bank

Type: Bank

0.00 Balance

Paid loan

Says the same on both closed cards

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from your credit report from https://annualcreditreport.com/ or from credit karma or where are you seeing this? 

a screenshot of the tradeline directly from your credit report would probably make it easiest to see what's going on

[Sbrooks1]

From My fico.com...