Negative indicator on report

[drsmith]

If an account on a fico page shows a negative indicator is that the "current" status of the account? I'm looking at my GFs page and she has 3 accounts with negative indicators but she's paid off her few debts. Is there anything she needs to do, or just wait for them to drop off?

[llecs]

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@drsmith wrote:

If an account on a fico page shows a negative indicator is that the "current" status of the account? I'm looking at my GFs page and she has 3 accounts with negative indicators but she's paid off her few debts. Is there anything she needs to do, or just wait for them to drop off?

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Even if paid, bad accounts will continue to report as such. Are these CAs or OC accounts? If any are OC accounts, when did they go bad?

[drsmith]

One from Capital One, one from Midland which is a CA I think, and one from WSFS

The Capital One date of last activity was 11/2008

[llecs]

If the paid OCs are older than your AAoA or 5-6+ yrs old, then I'd just let them sit. Sometimes the history helps more than the baddie hurts. If not, send a GW asking for deletion (or deletion of lates + neg. comments). For the CA, send a GW asking for deletion.