@rmduhon wrote:Was doing my weekly credit pull from annualcreditreport.com for me and my husband when I noticed that all of his collections are gone on his experian report so I pulled his score from the Experian website (fico 08). His score jumped from 627 to 647 (report is still dirty). Doing a bit of a happy dance.
I also noticed that his Amex account (settled for less) was updated at the beginning of December and is now showing the status as closed instead of as a CO, with no data since 2021. Does that mean that instead of being removed in 2025 it'll stay on for approximately 10 years from now as a clean account (after the 7 years for the lates of course)? Not going to worry about it either way but am curious since I haven't seen this before.
on the experian website, go to the dispute option and check the amex tradeline and see if it has a date for when it will report until, my closed clean tradelines all have a date on them in that dispute menu which states when they will stop reporting
