@User1072839 wrote:I have two old JPMCB CARD (Chase credit cards) and one Syncb/Lowes cc account. They were last reported in 15. Is there anything that I can do that may positively impact my scores or should I just leave them alone? They show up under closed accounts (derog), not collections accounts. As always, thanks for any advice.
If they are not paid leave them alone until they do update, then settle them, any update now drops your Fico score. These 2 will not do any PFDs most OCs wont. If they are paid you can request a goodwill deletion from them.
@User1072839 wrote:
@gdale6 wrote:
@User1072839 wrote:I have two old JPMCB CARD (Chase credit cards) and one Syncb/Lowes cc account. They were last reported in 15. Is there anything that I can do that may positively impact my scores or should I just leave them alone? They show up under closed accounts (derog), not collections accounts. As always, thanks for any advice.
If they are not paid leave them alone until they do update, then settle them, any update now drops your Fico score. These 2 will not do any PFDs most OCs wont. If they are paid you can request a goodwill deletion from them.
Thanks for the help. There have been no updates in four years, are you saying that it is it possible that there could be updates in the future?
If they are paid off, highly unlikely as CRA rules say to stop updating when paid off. If they are not paid they could update at any time especially if it comes to their attention its been awhile.