All Report, But One Closed?

[Anonymous]

Well, I'm growing up (23) and I guess adults are supposed to know about these things.  So I bought all three from myFICO - 756 from TU, 768 from EQ, and 778 from EX - and so good enough I guess.

All CRAs report a Gap card, but TU lists Gap (distinguished as a charge and not a credit card) as closed, while EQ and EX don't - what gives?

Thank you for any thoughts. 

[Tuscani]

Dispute the account status with TU. They should have no issues switching it too open. There is a fine line between "charge card" and "credit card".

Generally, charge cards refer to store cards only (yes they are treaded slightly different in terms of your score).