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Should this account be on my CR? (Old, closed, I was AU)

iceinjuly
Established Contributor

Should this account be on my CR? (Old, closed, I was AU)

I have a negative mark from back in 2009 from a Chase card I was AU on. The card has since been closed. Should this be on there or should I dispute it?


Starting Score:499 (11/14)
Current Score: 654 (655 mid-mortgage)
Goal Score: 700 (650 mid-mortgage)

Message 1 of 3
2 REPLIES 2
gdale6
Moderator

Re: Should this account be on my CR? (Old, closed, I was AU)


@iceinjuly wrote:

I have a negative mark from back in 2009 from a Chase card I was AU on. The card has since been closed. Should this be on there or should I dispute it?


Dispute it as not responsible for the debt please remove.

Message 2 of 3
RobertEG
Legendary Contributor

Re: Should this account be on my CR? (Old, closed, I was AU)

Is your issue that it is an AU account, that it is closed, that the derog is not yours, or that the derog is too old?

 

They would each have different procedures for addressing......

Message 3 of 3
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